Where is my money? Please help me

Anna1909

Thank you , spoke with casino rep and been told that they will check that and they will get back to me asap.

Hope this nightmare will be over soon��

Westie983

Hi,

Halifax are right, they are not the ones to put the trace on as they are the receiving bank, but the casino would be able too, and then you should find out where in the system the money is.

I agree that both the casino as sent the money, (they probably have) but it hasnt reached the Halifax (so they are unable to trace or do anything as its not reached their servers, but as the sending bank the casino will be able to put a trace on the funds)

It common for transactions from Casinos to take longer to appear in accounts due to additional checks, and the casino not being UK may have made this delay longer.

Speak to the casino and see where the funds are and if you are able to get a time frame, also worth asking if the payments were sent in the same way as the five that were received okay, was there a missing reference or miskey of details.

Was the missing payments for a large amount or lots of small amounts? the ones that were successful were they large or smalls amounts? If they former is large and the latter small that could give you some indication why there is a delay...

Keep this thread up to date with what happens.

Westie983.

blannweil

Make sure that the screenshot provided to you in any online transactions are authentic. It's hard to wait and assume where the money is when you don't have idea how many days it will be credited to your account.

Anna1909

Hi
All transactions are for similar abouts.

Thank you!

jonnygee2

ey said this do not mean anything and told me that the online Casino need to put trace on it and recall the money as the money never reached my account.

I think this is probably incorrect advice. Unsurprisingly, given it's Halifax.

You say the screenshot is from Visa Resolve. Does it show your bank account number, or your debit/credit card number?

I strongly suspect it is the latter, meaning this was a card refund, not an international bank transfer. You cannot put a trace on a card refund - that's a process that applies only to international bank transfers.

The gambling company should be able to supply you detailed transaction information including the authorisation code. Halifax should then be able to search for the missing funds, which is very likely to be sitting in one of their accounts somewhere.

If Halifax continue to fail to do the basic searches to find your money, you should state that you feel you have been materially disadvantaged because of the missing funds and that you want to make a formal complaint, particularly stating that you do not feel that they have understood your issue because they have given you advice relating to a bank transfer when you have shown them clear evidence the money was sent by card refund.

And then move your money to a bank that knows what its doing!

(If the screenshot actually shows your bank account number and IBAN, I take it all back)

Anna1909

Hi
The screenshot from Visa resolve online contain :
Date and time of transaction, settled date, tran type, total tran amount, dr/cr , merchant/ location , network id, entry mode, mcc, transaction id, ARN and 4 last digit of my card.

No iban number

Still waiting for the casino rep to respond.

Thank you very much for your help!
Regards, Joanna

Terry_Towelling

If the ARNs (Acquirer Reference Number) are present with your debit card number (albeit truncated) this is pretty much all Halifax needs to locate the transactions.

Are all of the ARNs different and are all of the tran IDs different? Are any of the tran amounts the same?

As a matter of interest what is the 'tran type' value? Is it '06'?

One more question; how many debit transactions have you previously made at this online casino?

Anna1909

Hi

Thank for informations!

All the ARN are different, only two transactions are the same of the sum of 1.000 each. Tran Type is Orig Credit-OG. In total i made 10 transactions some of them went trought randomly.

Terry_Towelling

Has Halifax not come back to you at all and has the casino not said anything more?

If the transactions are showing as 'Original Credits' then Halifax shouldn't be attempting to match them to any preceding debit transactions (but who knows?) - that was one of my possible concerns.

Anyway, for a transaction to have an ARN (23 digits long) it must have reached the retailer's processing bank and been processed as part of a batch of transactions. It is possible (I guess) for a transaction to fail processing beyond this point but there is no real reason why this should have happened here when some of the other 'winnings' have been received.

I still suspect Halifax has these credits sitting somewhere waiting to be processed to your account and the ARN is all that Halifax needs to search for them. If they have been bounced back to the retailer, then Halifax needs to confirm this for you - in writing - and to explain why it took this action. If Halifax still insists that it never received the credits then it needs to confirm that too - in writing. Simply saying, 'we can't help you' is not acceptable given the evidence you have provided.

All that said, I can understand why an issuing bank would not want to get involved with a case where an original credit transaction has not been processed through to it because there is no prior obligation being satisfied by the credit (i.e. it isn't a refund). The same would be true if you made a purchase and weren't charged for it - your issuer would not be able to resolve that for you - but, frankly, you'd probably not be complaining about that.

On this occasion, though, there is a weight of evidence to suggest the credits have been processed and the least you should expect of Halifax is a proper investigation and written confirmation that those credits never reached their systems.

Keep pushing at Halifax and ask the casino if there is any chance that the credits were bounced back to them.

Anna1909

Thank You for the reply.
Just got a message from casino rep that all they can give me now is all 10 transactions from visa resolve online so my bank can see which transfers went trought and wich not.
Looks like they blaming Halifax for that..
I have already visited few branches and they told me that the casino is responsible of tracing the founds...
I am lost.. dont know what to do now. Any advice?

Thank You very much!

Best regards, Joanna