Please help, now in debt again (not my fault!)

Ineedaname

taylor_r wrote: »

No idea what the "you deposited £900 and lost it all on poker" is all about as I never lost anything on Poker. The money was taken and then refunded all before I'd even logged on. I just thought it was weird, and was lucky that it was still there.

Think you need to get your story straight.

taylor_r wrote: »

It must be a system error, the same thing that happened when my withdrawal of £900 went on Poker then was refunded to my account. (My argument was clear cut to be honest - I said if I would have 'won' on Poker it would have said "Transfer In - Bet Winnings" on my statement and it didn't. So the bet must have obviously lost, and had been refunded. You telling me if I lost you would repay me the money back, I said. They couldn't answer, referred me to the Poker department and confirmed it had been played on poker - lol!) But that time I wasn't at a loss and didn't lose any money.

dojoman wrote: »

As DI has rightly pointed out this is not a BR issue and may be better off in one of the other forums:)

Can someone close or move this thread please. It's not a BR issue and we're getting nowhere.

downhillfast

taylor_r wrote: »

During May this year I incurred charges totalling £2,100 on a betting site! Two transactions, one from £900 and one from £1200. These were completely fradulent and I am on benefits and haven't worked for over 2 years I would never bet such ridiculous amounts.

...I have the money that was rightfully mine in cash BUT I'm £2,200 overdrawn, obviously!

So you were already £100 overdrawn on a basic bank account? That, as you latter posts show you check the balance of multiple time a day? Doesn't make sense...

The issue is, I am registered with the site and have used the site lots in the two weeks before these transactions (obviously for nowhere near these amounts!). (the BR was never due to gambling btw, this was first time and I was being responsible).

Seems a bit of an oxymoron

taylor_r wrote: »

Okay, some people need some clarifications here but no-one has really helped, to be honest, in what to do.
Think it's because I need to clear a few things up...

The overdrawn balance of £2,000 and odd pounds is with my Bank, the betting site is only involved because the money was deposited from my debit card with the bank to this company and then played in the casino. I thought I made this rather clear.

Oh, so maybe your account wasn't already overdrawn - you can see why people are confused by your situation - not even you know what's what...


So if the money was played in the casino there will be a history of exactly which games were played, how much money was lost, and when it all happened - a computer glitch would be unlikely to create all of this false history... you've either been hacked or I was correct in my post above...

downhillfast wrote: »

My theory... the OP didn't realise that they had deposited these funds themsleves into the account - whether a deposit glitch or finger trouble - and then gambled it away themselves thinking it was free money in their betting account???

dan_l

taylor_r wrote: »

What was I checking for then? Assuming it was these transactions, eh? I know what you were implying. Very nice of you

We all have to eat, therefore we spend money at shops and use our debit cards. Therefore I phone several times a day to confirm my available balance there and then.

I make a habit of doing this practically every time I use my card just so I know and can hear it from them, exactly what I have.

So why do I do that then? Because I just do. Everyone's different.

So what are my reasons for being different...

I don't have to explain myself all the time just to satisfy your heads. Don't wanna help, don't. Want make other people think "hmmmm", go for it. You know I hate people who interrogate like police just because people are different and they think it's "all very strange."

Calm down it was only a question. I have just never known anybody to do that more than once a day.
What is it you want from this forum? Its pretty clear you owe the bank money, they are going to come after it and unless you can sort this issue out with the betting site (which you don't seem willing to do) then you are going to have to pay it back.
If you hadn't already noticed the reason you are getting so many questions is because to be honest your story sounds pretty unbelieveable.

BaldEagle

As someone who knows a bit about how this industry works, it all sounds a bit odd.

If I were the OP, I would get back in contact with the company in question and lodge an official complaint. Every licensed company needs to present quarterly reports to the Gambling Commission listing complaints and disputes. Every transaction will have been logged with the IP address. That's not just the physical deposits but also where that money was spent, at what times and on what transactions. If you feel you're still getting nowhere, ask the site in question for the details for IBAS.

You say these transactions are for higher amounts than you normally spend. This will also have been flagged so if you get no joy speaking with one of the first line people on the phone, request to speak with a manager. My feeling is that if they see a significant change in your spending pattern that they're less likely to dismiss out of hand.

I'd certainly be inclined to go back to the gambling site first rather than play a game with the bank. I know you don't owe the site the money but that's where the glitch or fraudulent activity took place in the first instance.

BaldEagle

kepar wrote: »

But why would I transfer money from your bank account to your betting site account.? That's what I do not understand.

What usually happens is that the scammers get hold of someones card details, create a new account using the details they have for the poor unfortunate and then make small deposits onto the account. They tend to be small so they don't get flagged.

If they win significant amounts of money, they get a physical copy of the cloned card made up and withdraw the cash over the counter. Obviously this is only for sites linked to the high street bookies.

kepar

BaldEagle wrote: »

What usually happens is that the scammers get hold of someones card details, create a new account using the details they have for the poor unfortunate and then make small deposits onto the account. They tend to be small so they don't get flagged.

If they win significant amounts of money, they get a physical copy of the cloned card made up and withdraw the cash over the counter. Obviously this is only for sites linked to the high street bookies.

But a new account wasn't created.

dancingfairy

I'm not 100% sure what the OP is getting at? there are 3 main options:
1) report it to the police, gambling commission, the bank and everyone that needs informing
2) accept it, pay it back and move on.
3) ignore it and wait for CCJ?

What more on that is there to be said?
Also the OP should make sure the gambling account has been closed, close the bank bank account that is overdrawn if possible (as otherwise they could be hit again), get copies of their credit files and put fraud markers on them.
Best of Luck
df

Trollfever

I am a Troll and this thread has given me a headache.

BaldEagle

kepar wrote: »

But a new account wasn't created.

I know which is why I say it sounds a bit odd....

ridethelightning

The OP doesnt seem too mad at the betting site... I sure as hell would be if they took £2k from a system error. I'd be naming the site and warning others to avoid.

Id suggest you take it on the chin and get some counselling for gambling addiction... sorry if I'm wrong but from the very beginning it has sounded like denial to me. There are alot of flaws in your story as many have pointed out and it just doesnt "fit". I have used many gambling sites and all of them show my balance online and a history of all previous bets. £2k is obviously alot to you and if you really suspected fraud Im sure you would have been onto the police immediately.