Rfield1994 1 Posted July 3 Good morning I hope someone can help. Recently I received an email for Betvictor regarding Safer Gambling tools. At the time of receipt, I was a little mythed as I wasn't aware I had a Betvictor account, nor recall ever using one. Later in the morning, scrolling through my joint bank account, I noticed a large amount of transactions leaving my account. Having investigated further, found these had been made using my partners card, hence no app notifications when the transactions were processed. Having confronted my partner, he eventually broke down and confessed to setting up accounts in my name, and using his card to find his addiction. He has been self excluded for 5 years and is still registered with GameStop, however recently has been having a rough time and ultimately slipped into old habits. I have contacted Betvictor to dispute the transactions on the basis that the account was set up without my permission, and their security checks should have alerted them to a different name on the payment method. In total, there were 20+ transactions totalling £2,750 over a 2-3 week period. On the transaction numbers alone, I would have expected them to pick up the name on the card. I have lodged a complaint based and the above, and evidenced that they are in fact in breach of their own terms and conditions, what are my rights here? They just respond about reporting fraud, but my complaint is surrounding fraud, it's them breaching there teams, and failing their licensing obligations, and failure to safeguard Regards Share this post Link to post Share on other sites
Kings lynn 184 Posted July 3 (edited) This is fraud if someone has used your bank account to gamble and set up an account in your name. I think Bet victors first action will be to take legal action against your partner on fraud charges. you said it was a joint account so I presume some of the money he used was his own? I’m not sure where this lies legally. But he still opened the account without your permission. if you have already contacted bet victor and told them this. They will be able to use that statements to proceed with the fraud case against your partner. They haven’t really breached their terms or safeguarding your partner has tried to trick the system. bet victor aren’t to blame here he is. Edited July 3 by Kings lynn 1 Share this post Link to post Share on other sites
Rfield1994 1 Posted July 3 It is a joint account but the funds used were his own. But why did they fail in their checks to the source of the funds? My argument being that had they carried out the checks, they would have picked up that they did not match, and ultimately closed the account? Their terms state these checks are carried out, and they are in fact in breach of clauses 23 in failing to carry out these checks. Yes, my partner is to blame, I don't deny this. However addiction is an illness, and had the measures above been adhered to, then he wouldn't have been able to feed that addiction. There has to be an element of responsibility on these firns when addicts now have a bookmaker available 24/7 with adverts constantly shoved in their faces. Share this post Link to post Share on other sites
Aarongeorge1989 781 Posted July 3 I wouldn’t expect to see any refund for this. I’ve never owned a joint bank account but I presume when they did the security check they saw it was also registered to you so the account name matched the bank information. I think you could possibly go down the route of getting the money back through you bank citing fraud but that would mean taking legal action against your partner. And again as he was a joint holder of the bank I'm not sure where that leaves you. He isn’t the first person on Gamstop that will have tried to sign up using a false name. They have terms & conditions specially for this and won’t pay a penny back. he needs to learn from this. I hope you can both work things out. Sounds like he might benefit more from having his own account which you then transfer him a set amount when he needs it from the joint account so he doesn’t have the opportunity to gamble. I know this has helped many people. 1 Share this post Link to post Share on other sites
Rfield1994 1 Posted July 3 10.5 You are only permitted to use payment methods of which you are the account holder. You are not permitted to use any payment method belonging to a third party (e.g. you cannot use a family member’s debit card to make deposits to your accounts). Your deposits must be made from a personal account and not from any company or corporate account. If you make deposits from payment methods you are not entitled to use (eg. if you are not the account holder), we may treat that deposit as invalid (and any winnings arising from that deposit will be voided). This means that you would not be entitled to any winnings on a bet placed with those deposits. 10.8 We will carry out anti-money laundering and fraud checks on your deposits. We are required by anti-money laundering regulations and as part of our internal policies to make checks on the source of any funds placed on deposit by customers. If these checks do not provide us with sufficient information about you, we may request further information from you (including about your source of funds). You agree to promptly provide this information, when requested to do so. We reserve the right, acting reasonably, to: a) withhold and/or retain any and all amounts which would otherwise have been paid or payable to you (including without limitation any winnings or bonus amounts); and/or b) suspend or terminate any account. Where we cannot satisfy ourselves that the source of funds is legitimate or where sufficient information has not been provided, we may be required to report this to the relevant authorities. 23.1 We are only responsible to you for foreseeable loss and damage caused by us due to a breach of these terms. If we fail to comply with these terms and conditions we are responsible for loss or damage you suffer that is a foreseeable result of our breaking this contract or our failing to use reasonable care and skill, but we are not responsible for any loss or damage that is not foreseeable or any loss that didn’t result from a breach by us of these terms. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time the contract was made, both we and you knew it might happen. Share this post Link to post Share on other sites
Rfield1994 1 Posted July 3 5 minutes ago, Aarongeorge1989 said: I wouldn’t expect to see any refund for this. I’ve never owned a joint bank account but I presume when they did the security check they saw it was also registered to you so the account name matched the bank information. I think you could possibly go down the route of getting the money back through you bank citing fraud but that would mean taking legal action against your partner. And again as he was a joint holder of the bank I'm not sure where that leaves you. He isn’t the first person on Gamstop that will have tried to sign up using a false name. They have terms & conditions specially for this and won’t pay a penny back. he needs to learn from this. I hope you can both work things out. Sounds like he might benefit more from having his own account which you then transfer him a set amount when he needs it from the joint account so he doesn’t have the opportunity to gamble. I know this has helped many people. The account is joint, but the cards are individual, so the payment name would have differed Share this post Link to post Share on other sites
Rfield1994 1 Posted July 3 https://www.google.com/amp/s/amp.theguardian.com/society/2022/mar/01/betting-firm-888-fined-94m-after-customers-lost-thousands-in-pandemic The online casino company, which is in the process of buying William Hill’s UK assets, also failed to carry out proper “source of funds” (SOF) checks to prevent money laundering. This included accepting verbal assurances from customers on their employment income, not setting out which documents should be requested as part of SOF checks Share this post Link to post Share on other sites
The_Guests 253 Posted July 3 I don't really know the legalities. Clearly they should have picked it up, because if of you are not on gamstop and you use someone elses account and deposit with your card they will refuse to payout if you win. Moving forward I suggest you yourself join gamstop as well, so if your partner ever uses your details again it will get flagged for sure 1 Share this post Link to post Share on other sites
MrUKHackz 14,958 Posted July 4 I'm afraid you and your partner are stuck between a rock and a hard place with this situation. To get the money back would mean reporting your partner to the police, it's that cut and dried unfortunately. Share this post Link to post Share on other sites
crazyrightmeow 4,589 Posted July 4 It is your partners fault and not the casino, so I dont understand how you angry at them instead of your partner and rather looking for excuses with "it is an illness" part. You need to have a serious talk with him if you dont want to be in the same or even worse situation in the future. Casinos usually use third party money processing software and they need to check the account manually to see everything in details, which is done at cashouts. The only way is to report your partner to the police and dispute the transactions with the bank. Maybe because it is joint account even that would not matter. I would suggest that you forget about the money and let your partner pay you back. It would also be wise to take over finance part of relationship or make your own account. 1 Share this post Link to post Share on other sites
Rfield1994 1 Posted July 4 Thank you all. Was mainly checking to see if there was anything that could be done. Yes it's his fault, but with any addict, they will ultimately find a way... Just thought there would be more stringent measures. Especially when reading up on the likes of KYC procedures etc. And on similar cases like the above regarding 888. Why is it that the measures only seem to be in place on withdrawals but not deposits? Seems a win win for the gambling companies... Take the deposit with no questions asked .. make you jump through hoops for withdrawals? 1 Share this post Link to post Share on other sites
crazyrightmeow 4,589 Posted July 4 9 hours ago, Rfield1994 said: Thank you all. Was mainly checking to see if there was anything that could be done. Yes it's his fault, but with any addict, they will ultimately find a way... Just thought there would be more stringent measures. Especially when reading up on the likes of KYC procedures etc. And on similar cases like the above regarding 888. Why is it that the measures only seem to be in place on withdrawals but not deposits? Seems a win win for the gambling companies... Take the deposit with no questions asked .. make you jump through hoops for withdrawals? Because there are millions of people depositing and playing. Can you imagine the costs for the company if they would have to check every single deposit? Its all about profits. 1 Share this post Link to post Share on other sites
Solario333 11,488 Posted July 5 (edited) 22 hours ago, Rfield1994 said: Thank you all. Was mainly checking to see if there was anything that could be done. Yes it's his fault, but with any addict, they will ultimately find a way... Just thought there would be more stringent measures. Especially when reading up on the likes of KYC procedures etc. And on similar cases like the above regarding 888. Why is it that the measures only seem to be in place on withdrawals but not deposits? Seems a win win for the gambling companies... Take the deposit with no questions asked .. make you jump through hoops for withdrawals? you have defined the problem perfectly . all casinos are only interested in how much you take , not how much you lose . all the rest is just placating the UKGC so that the gravy train continues . Uk punters are the least protected because we are now flooded with crypto sites which have no conditions and are not regulated , and as with all casinos there are good ones and bad ones . you must pick your way through this minefield or hold on to the cash . as far as your partners actions are concerned , I would strongly advise you to keep your personal disposable income separate . If you don't do this the current problem may repeat causing difficulties in your relationship going forward . Edited July 5 by Solario333 Share this post Link to post Share on other sites
Gkell727 6,382 Posted July 5 His parter seems very clued up. Some may say the OP is actually the guy who made the deposit. Not me though, I’m naive like that 1 Share this post Link to post Share on other sites
Rfield1994 1 Posted July 5 1 hour ago, Gkell727 said: His parter seems very clued up. Some may say the OP is actually the guy who made the deposit. Not me though, I’m naive like that Very helpful. Can I not read and research myself? Share this post Link to post Share on other sites
Gkell727 6,382 Posted July 5 54 minutes ago, Rfield1994 said: Very helpful. Can I not read and research myself? You could, but it’s highly unlikely. Hopefully the Mrs don’t find out Share this post Link to post Share on other sites
Andymitzy 697 Posted July 6 17 hours ago, Gkell727 said: You could, but it’s highly unlikely. Hopefully the Mrs don’t find out hahahahhaha ur a proper c..t lol funny cos i guessed instantly. but to say it Share this post Link to post Share on other sites
h0tsh0t87 2,024 Posted July 7 I have a funny feeling the OP is posing as there partner on this thread to try and find a way to get there money back haha which is ironic considering that’s how they lost there money . But it in the very rare chance that this is true then if the casino were to give your partner his money back then he would have not learned any lesson ? And would likely do it again and again. you said that the funds were your partners ..... your partner made the choice to by pass the Gamstop ? So the right outcome is you not to get that money back is it not ** sorry I didn’t mean you I meant your partner ** Share this post Link to post Share on other sites
Kings lynn 184 Posted July 7 On 06/07/2023 at 11:02, Andymitzy said: hahahahhaha ur a proper c..t lol funny cos i guessed instantly. but to say it That’s why you’ve got to love @Gkell727 he says it like it is. Share this post Link to post Share on other sites
