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  1. #1
    Join Date
    Aug 2017
    Posts
    1

    Unhappy Making Chargebacks from Online Casinos

    My question involves collection proceedings in the State of: Ontario, Canada

    I really need some help and advice. I am from Canada and have been playing at an online casino for about 2 years now (located in Gibraltar I believe), I have won and lost money, made deposits by visa with 3rd party companies (swiftvoucher, PayR) as this is what the site uses in order to launder the money in I assume .....and I have also requested withdrawls (bank transfer) and got paid. Never had any problems. Well a few days ago I really messed up and the chronic gambler in me kept losing and losing and before I had realized what was even going on I had lost about $25,000 at blackjack....something is very wrong with me. I have no way of paying this amount back and am very desperate so I immediately cancelled my credit card before the charges were processed (I am assuming that they will still go through on the new card?). My next option would be to call my bank/credit card company(Visa) and dispute the charges saying that I didn't authorize the transactions....and say it wasn't me who made them this time. Would this work? Would they know what I am lying as all the previous purchases went through and were not disputed (for almost 2 years). These current deposit amounts however are way higher then anything I have ever done. Would my bank believe me? And if they found out I was lying what would happen? Most of my previous purchases were through swiftvoucher with only the last few days being the PayR option. What other questions would they ask me or would I need to sign any paperwork on the issue? How do disputes work with online gambling sites.....I have looked around the forum and see that it has worked for some people.....but their amounts were a lot smaller then $25,000. I have nobody to help me or nowhere to turn to to get the money. Could anyone with experience please help me as I am very desperate and have been having thoughts about hurting myself if I cant find a way out of this....please help.

  2. #2
    Join Date
    Oct 2014
    Posts
    8,238

    Default Re: Making Chargebacks from Online Casinos

    Quote Quoting jimmy10
    View Post
    My next option would be to call my bank/credit card company(Visa) and dispute the charges saying that I didn't authorize the transactions....and say it wasn't me who made them this time. Would this work?
    We deal with U.S. law here and Canadian law may well be different from U.S. law on this. In the U.S. lying to the credit card company claiming that the charges were fraudulent when they weren’t might expose you to fraud charges yourself, and I would not be surprised if Canadian law was not similar on this point. Moreover, given your history of gaming with this site in the past without problems my guess is that the credit card issuer is likely not to believe your claim that you did not authorize the charges. In any event, it is certainly immoral to lie to the credit card company to try to stick it (or the off shore casino) with the loss for charges that you clearly did authorize. You made the charges, so the adult, mature, responsible thing to do is at least not lie about what you did. That’s not to say that you may not have some kind of defense even though you did authorize the charges. In the U.S. online gambling with off-shore casinos is illegal, and banks are prohibited from knowingly processing online gambling transactions for persons in the U.S. Perhaps Canada has a similar law. If so, that law might allow you a way to avoid paying the bank if the bank knew what these charges were really for. That can be a challenge, though, since off-shore casinos know about these sorts of laws and thus take steps to disguise that the charges are for gambling and make them look like they are for something else. I suggest you consult a local Canadian solicitor (lawyer) to see what defenses you might have under Canadian law.

    Quote Quoting jimmy10
    View Post
    Could anyone with experience please help me as I am very desperate and have been having thoughts about hurting myself if I cant find a way out of this.
    For this, please see a mental health professional in Canada. These kinds of thoughts are indications of a deeper problem than just owing some money. Owing $25,000 is not the end of the world. There are options for dealing with this. You might be able to settle the debt for something less than the full amount. You might have some recourse under Canadian law to reduce or avoid the gambling debt. At worst you might have to declare bankruptcy to get the debt wiped out (I assume Canadian bankruptcy would allow that; U.S. bankruptcy does). But nothing about this is worth hurting yourself over. It also sounds like you may be developing a gambling addiction problem. The mental health professional can help you sort that out, too.

  3. #3
    Join Date
    Feb 2008
    Posts
    1,179

    Default Re: Making Chargebacks from Online Casinos

    so you are asking us to help you commit fraud? really? Not going to happen.

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