UK Gambling chargebacks laws

ajp166

Guys last night I registerred on a casino online and deposited 3 x £200, my friends had their friends over and also some other people they were around me also, now I fell asleep and today I have realized more deposits were made 2 x £500 and 2 x £900. I have called my bank and emailed the casino... the casino wanted to know who else it could be and how they would know my hsbc password , I just said people were around me and my clue to the password is quite easy.... what could happen now?

Fosterdog

I would say that now would be a good time to change friends

frugal_mike

ajp166 wrote: »

Guys last night I registerred on a casino online and deposited 3 x £200, my friends had their friends over and also some other people they were around me also, now I fell asleep and today I have realized more deposits were made 2 x £500 and 2 x £900. I have called my bank and emailed the casino... the casino wanted to know who else it could be and how they would know my hsbc password , I just said people were around me and my clue to the password is quite easy.... what could happen now?

I'd suggest that you report the theft to the police and make your bank details more secure.

Slowhand

You'll pay for your friends gambling.

Daedalus

Debit card? Probably go fish, you admit to depositing £600 but disputing the next £2800? Most won't believe you, the bank isn't jointly liable.

ajp166

sorry go fish? so the bank can't dispute it?

Daedalus

ajp166 wrote: »

sorry go fish? so the bank can't dispute it?

On your bike, pull the other one...

EU law make Credit card companies liable and must prove that the customer didn't take due care of their security (read rather hard to prove). AFAIK the same provisions don't extend to the charge back scheme.

Curious though, if one disputes a charge that puts them into their overdraft, ie, credit from the bank, do they come under section 75 or still under the chargeback scheme?

tinkerbell28

You'd have to report it to the police. So are you prepared to shop your "friends" you were with last night?

Otherwise they'll just believe you got carried away....being silly isn't grounds for a chargeback.

giraffe69

Are you for real? You left your card and password available so others could spend £2.8k of your money? Why should the bank dispute anything? You allowed this to happen.

Daedalus

tinkerbell28 wrote: »

You'd have to report it to the police. So are you prepared to shop your "friends" you were with last night?.

Won't really go anywhere though will it, the police can't prove who did it unless someone confess or grasses another up, even then, it will be one suspects word against another, a non starter. So getting a crime number is relatively uncomeuppancey.

giraffe69 wrote: »

Are you for real? You left your card and password available so others could spend £2.8k of your money? Why should the bank dispute anything? You allowed this to happen.

Fully depends, one might be set up to 'remain logged in', some sites don't actually ask for any information other than that found on the card. So it is plausible that someone could do what he said, do you not trust your friends or something? I would expect my friends to frape me, not spend £3k of my money.

wealdroam

What could happen now?...

Well one possibility is that your friends have won you a fortune.

Another possibility is that they have lost your money for you.

Sorry, I cannot think of any other possibility.