Bet365 no protection for unauthorised payments

[Yolostop]

Before I start I would like to make it clear this thread is more for people's opinions and not about getting a refund. 

 

So I have a account for bills, a account for rent and one for spare money like many people do. When I get paid I transfer money to different accounts and that's it peace of mind. 

Well so I thought out of the blue I received a phone call from my landlord demanding payment of my rent as it was 3 weeks late I didn't know what he was talking about as I am never late with rent as the money leaves my rent account every month on the same day ( I am on a short term lease and have been for 6 years haha) so I log into my bank account I used for rent to find 22 transactions all over a few days to bet365..... I don't have a bet365 account. 

I go mad and suspect I know who used my card I confront them but they run away and have since been avoiding me. So I contact bet365 and I was advised to go to the police I did this and have a incident number etc but told me they would speak to the person in question but apart from that there's not much more they can do.   I contact my bank who said that they no longer dispute or raise cases of fraud against gambling transactions and I would need to contact the merchant. 

So I contact bet365 executive team I provide them with my card details and photos of me holding the card etc and they comfirm that the account that my card was used on is not mine but they can't give any more details other than that. I gave them. My police reference. I gave them. The email from my bank comfirming they no longer dispute gambling transactions and I need to contact the merchant. I supplied them with my ip address address etc. And I received the standard reply from a supervisor that I need to contact the police and bank, ( rember I already told them and gave evidence I Contactednl these people). So once again I email the executive team this time a manager contacts me back saying that even though they can see the transaction was not made by myself or is linked to me that its in there terms and conditions that they DO NOT REFUND..... 

Since then things have taking a turn for the worse I have received a notice to quit from the landlord due to outstanding rent... I sent this to bet365 but they no longer email me back. 

 

With all these new checks in place and certification before u sign up surely casinos can easily ask for proof of your deposit method before a payment is even made? Gambling is a addiction and things that happend to me above must be very common, so surely more protection towards depositing must be madr

[Fiekie247]

34 minutes ago, Yolostop said:

With all these new checks in place and certification before u sign up surely casinos can easily ask for proof of your deposit method before a payment is even made? Gambling is a addiction and things that happend to me above must be very common, so surely more protection towards depositing must be madr

I am sorry to hear about the situation and I am not entirely sure what the best course of action would be.

To answer the question above in red : Yes that is what should happen in terms of KYC process should be carried out before depositing, however 90% of casinos have not adopted this strategy.

Just give some time, one of the other forum members will come and respond here and maybe give some better advice.

Welcome to AskGamblers.

[Yolostop]

9 minutes ago, Fiekie247 said:

I am sorry to hear about the situation and I am not entirely sure what the best course of action would be.

To answer the question above in red : Yes that is what should happen in terms of KYC process should be carried out before depositing, however 90% of casinos have not adopted this strategy.

Just give some time, one of the other forum members will come and respond here and maybe give some better advice.

Welcome to AskGamblers.

Hiya 

 

Yeh I thought that. I have now accepted my money is lost but. I know when yiy sign up they use checks to automatically vertify you if they can not do that then they will ask for I'd. 

But there is not checks for deposit methods so if someone deposits using someone else's card and wins the casino would void winnings from what I am told and its up to there decressuons wether to refund it. If a transaction happens which is unauthorised then a casino does not refund and banks don't take action and nether do the police.... So casinos can not lose 

[copyyy]

Wow, that's sad to hear buddy Bank is saying that you should contact merchant and bet365 is saying that you should contact Bank/Police.
I never deposit over credit card but don't most people have that thing "Visa Protection" where you get some code on a phone before depositing/buying something?
And casinos need for sure to make people verify before making a deposit because as I stated before even a kid nowadays can deposit over SKRILL and stuff, plus as it happened in your situation someone deposited with your credit card and lost money which they didn't have problem with , but if withdraw was requested you would probably have to upload like 3-4documents at least.

You are not gonna get your money back probably from Bet365  because even with the proofs you have its easy to think you were involved in some laundering money scheme letting someone deposit from another IP address and stuff and then just asking for a refund.

Still confused why your bank declined if you obviously show them the proof that it wasn't you doing that.

[pinnit2015]

Don't have much time but you can raise it with the financial ombudsman. Doesn't look like the chargeback process will help here. First Party Fraud is probably what they're most concerned about. 

https://www.fca.org.uk/consumers/unauthorised-payments-account 

Have you checked your credit file to see if there is any further activity on it? (Noddle/Clearscore are free)

The new May-19 regulations don't really help here - they are for age and identity verifications - the person who seemingly used it on the site might well/should have went through - i don't understand why some places require the name of the account holder to marry up with the card holder name; rejected if otherwise (might be dependent upon the payment processor)

[pinnit2015]

Check this out - https://www.lawontheweb.co.uk/personal/rights-to-refunds-for-unauthorised-transactions

Give you a layman's feel for what to do next

[pinnit2015]

Remember that the burden is on the bank to show that you made the transaction, not for you to show that you didn't.

Disappointed, but not surprised given their size, of Bet365's response. Was it  a case of you (say Joe Bloggs) having your card used on an account (called John Lennon?) Or did they not even go into that?

[Fiekie247]

17 hours ago, pinnit2015 said:

Remember that the burden is on the bank to show that you made the transaction, not for you to show that you didn't.

Disappointed, but not surprised given their size, of Bet365's response. Was it  a case of you (say Joe Bloggs) having your card used on an account (called John Lennon?) Or did they not even go into that?

John Bloggs turns to John Lennon 

[pinnit2015]

1 minute ago, Fiekie247 said:

John Bloggs turns to John Lennon 

Times are probably tough for Lennon: faking your own death and having Michael Jackson buying the back catalogue, has meant he’s had to take to Sports Betting to fund his hippy communes. 

[pinnit2015]

KYC would have been good: the OP should ask 365 if the front cover of Stg Peppers was used as a selfie. 

[Yolostop]

Hiya 

 

The last email I had from bet365 was we can't tell you anything about the account it was used on, in incidents were a card was used fraudulently we do not refund the money back, you are correct if the person had won they could not have withdrawn the funds. Yes we comfirm that the card belongs to yourself and not the account it was used on, we comfirm you do not have a account with us and that your ip address is different to the one used but its our policy not to refund. 

 

Since then around 5 days they have not replied to any of my emails 

 

I am not expecting it get my money back but I still find it is crazy why payment checks  are not included in the kyc 

[pinnit2015]

7 hours ago, Yolostop said:

Hiya 

 

The last email I had from Bet365 was we can't tell you anything about the account it was used on, in incidents were a card was used fraudulently we do not refund the money back, you are correct if the person had won they could not have withdrawn the funds. Yes we comfirm that the card belongs to yourself and not the account it was used on, we comfirm you do not have a account with us and that your ip address is different to the one used but its our policy not to refund. 

 

Since then around 5 days they have not replied to any of my emails 

 

I am not expecting it get my money back but I still find it is crazy why payment checks  are not included in the kyc 

So they get to keep the money in their eyes - how nice of them.

Good to know, should the desire to use stolen cards come upon me, a card with a different name to the account holder can be used freely. I don't even need to go to the hassle of using a different name. 

Could they not have withdrawn? I have a BET365 account and not once have i been asked for copies of my cards - that includes when i add new ones. 

I'd kick it to the ombudsman. 

[Flatzem]

you said that "I go mad and suspect I know who used my card I confront them but they run away and have since been avoiding me"

how much money is it and maybe it is worth to hire some private debt collector/investigator to go after that individual, someone or two with a lot of muscle and or intimidating looks and that will make them pay up, threaten them or they lose fingers,/face rearranged. Just a mere threat will do on most people right. Nobody wants to lose a finger or get their face rearranged over a sum of money. I am sure there are those that would help you out in that way.  And of course they are avoiding you but there's things that can be done and should be done to make things right.

[pinnit2015]

https://www.actionfraud.police.uk/reporting-fraud-and-cyber-crime 

[pinnit2015]

10 hours ago, Flatzem said:

you said that "I go mad and suspect I know who used my card I confront them but they run away and have since been avoiding me"

how much money is it and maybe it is worth to hire some private debt collector/investigator to go after that individual, someone or two with a lot of muscle and or intimidating looks and that will make them pay up, threaten them or they lose fingers,/face rearranged. Just a mere threat will do on most people right. Nobody wants to lose a finger or get their face rearranged over a sum of money. I am sure there are those that would help you out in that way.  And of course they are avoiding you but there's things that can be done and should be done to make things right.

 

[Yolostop]

On 8/1/2019 at 6:29 PM, pinnit2015 said:

So they get to keep the money in their eyes - how nice of them.

Good to know, should the desire to use stolen cards come upon me, a card with a different name to the account holder can be used freely. I don't even need to go to the hassle of using a different name. 

Could they not have withdrawn? I have a Bet365 account and not once have i been asked for copies of my cards - that includes when i add new ones. 

I'd kick it to the ombudsman. 

Bet365 had comfirmed tgar if they had won they would have been able to withdrew and it would be there discression to decide if they would refund the withdrawals 

[Yolostop]

On 8/1/2019 at 8:50 PM, Flatzem said:

you said that "I go mad and suspect I know who used my card I confront them but they run away and have since been avoiding me"

how much money is it and maybe it is worth to hire some private debt collector/investigator to go after that individual, someone or two with a lot of muscle and or intimidating looks and that will make them pay up, threaten them or they lose fingers,/face rearranged. Just a mere threat will do on most people right. Nobody wants to lose a finger or get their face rearranged over a sum of money. I am sure there are those that would help you out in that way.  And of course they are avoiding you but there's things that can be done and should be done to make things right.

It was only £520 over 22 transactions in a very short time I mean 2-3 days. Yes I beleive I know who done it and will deal with it personally. I don't expect to get my money back and bet365 still refuses to even reply to my emails 

The point of this post was personally I feel bet365 and many other casinos are encouraging fraudulent behaviour. If they can do age checks etc before someone signs up now would it not be wise to get someone to comfirm there payment method before they deposit. 

[pinnit2015]

You see some sites, not gambling, that ask you if you are a third party paying on someones behalf.

This was from last year - different to this but along the same lines in terms of verifying details: https://www.moneywise.co.uk/news/2018-10-18‌‌/new-name-check-rules-will-alert-bank-customers-if-they-transfer-money-fraudsters

If the account was in anothers name - it's pretty poor.

[pinnit2015]

https://www.bbc.co.uk/news/business-49332023

Delays to the new online fraud, multi factor, programme in the UK.