Betfred have taken everything because I used my friend's card

simon3311

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I've already done a thread but Need help.

I'm fully aware now that 3rd party deposit aren't aloud but at the time I wasn't.

My card was having issues with connecting to visa as tried 3 times to deposit so used my friend's card with concent and I transferred funds from my account to there prior to every deposit.

I deposit around 5k so around 5 deposits and had withdrawal excepted and paid out of 8000. Nothing was flagged up about anything and at the time didn't even consider I was in the wrong.

The next day I thought if carry on from where I was didn't go to plan and deposited around 22000 and ended up requesting 28000 .

Not at any point during around 10 deposits was anything flagged.

There is nothing fraudulent with any of this .

Betfred didn't even ask about fraud or didn't even want to Contact the card holder or want any information regarding this.

If I would of lost I'd fully understand no refund but I was 6000 in profit and why aren't my deposit being refunded as it states

In terms that Amy deposits will be void and winnings Invalid.

There is no fraud Involved it was my money and they had stole all of it and I can't even contact them to discuss.

I don't need advice on 3rd party deposit trust me I've read everything just want to know where I stand and what to do next as I can't just let them take 22000 off me


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I am afraid that the answer you don't want to hear is the only answer I think you will get from this.

Better off forgetting about it now. I don't think you stand a chance of getting the winnings based on what you have said.
 
Winnings are gone for sure but they cant have all the cake,deposits should be returned to the card owner,
they took an awful lot of deposits without question and as usual only found a problem at cashout time.
In my view there is far too much money involved not to take it further.
 
Winnings are gone for sure but they cant have all the cake,deposits should be returned to the card owner,
they took an awful lot of deposits without question and as usual only found a problem at cashout time.
In my view there is far too much money involved not to take it further.
True, I often forget about the deposits. Should be claimed back. Being ignored is never appropriate.
 
Some big question marks here! This really should have been flagged up on the first attempted deposit - that a substantial withdrawal was also processed is rather alarming...

I agree with shadow - zero chances you'll get the winnings as it's a serious breach of the T&Cs, and while you are not entitled to the balance, your friend should be refunded their deposits.

I fear this may get rather complicated as Betfred have got themselves into a pickle here (potentially breaching AML, RG and KYC regulations in one go - not dissimilar to scenarios we've heard in recently announced million+ fines) - your friend may need to jump through a considerable number of hoops to get that money back, and it may take some time if it gets looked into by other parties (AML, UKGC etc).

At this point, I would say it's important to make the transactions distinct - it makes sense that Betfred wouldn't enter into further correspondence with you because you're not the depositor, your friend is. While it's "your" money in your eyes, it's "their" money in terms of the player to casino transactions, so any further steps would likely be with them.

Hopefully Betfred will be forthcoming with your friend in terms of a resolution - if not, you (or more likely your friend) can make a formal complaint, and then
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as an option down the road, although be aware for the amount in question it may be non-binding on the operator.
 
Don't forget, winnings should be voided too, so the overall balance sheet is prudent here. Does the amout paid out exceed the deposits on this card overall? If so, it could be argued the deposits are refunded and the OP should sort that out with his friend. As said, they are in a pickle having already paid 8k to the cardholder who wasn't actually named in the casino account.

I think the appropriate course of action would be to refund the deposits, taking into account the net position of the account, i.e. 3+6k = 9k to the good according to the OP. So there is no net gain or loss on it.

Again, as said above, this means further exacerbating their failure to act in the first place and paying out 8k to that card which means AML and KYC hasn't been followed to the rules. So refunding now compounds that issue. It's a tricky one for both parties, neither of whom have covered themselves in glory.
 
I think the appropriate course of action would be to refund the deposits, taking into account the net position of the account, i.e. 3+6k = 9k to the good according to the OP. So there is no net gain or loss on it.

I deposit around 5k so around 5 deposits and had withdrawal excepted and paid out of 8000. Nothing was flagged up about anything and at the time didn't even consider I was in the wrong.

The next day I thought if carry on from where I was didn't go to plan and deposited around 22000 and ended up requesting 28000 .

It sounds like the second £6k profit was blocked - so would be talking about the £27k deposited and the £8k withdrawn, leaving a net loss of £19k.

Depending on the account activity, they could include other transactions in their investigation, which may adjust the figure up or down further. Anyone's guess how that will play out given companies rarely discuss it in public.
 
What was the problem with the original card?

28K is a lot to deposit through somebody else's card. But I guess if you're paying for it, then it's not such a big deal, it just seems like an unusual situation.

The idea of being in control of your payment methods is to prevent money laundering and fraud, hence why casinos don't like deposits from cards you don't own. I imagine this would raise a flag during an AML audit.

p.s. Have any other requests been made from BetFred that you have been unable to comply with? i.e. SOW.

If this is just a straight block without refunding deposits, with no chance of a conversation over the situation, then it's not fair. You would think that 28K is nothing to BetFred in the grand scheme of things and would just refund the deposits and close the account to avoid any problems.
 
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Using someone else's card is a major no no when it comes to any form of online betting or gambling, sportsbook, casino or otherwise. Anyone who has placed even one bet in the past would know of this term, even if they are not au fait with any others.

It is also pretty straightforward as to why this term and condition is in place.

Sorry, but you are out of luck IMO and as mentioned by Jeroensgambling above, the most you can hope for are the deposits returned back to the original card.
 
If you were guaranteed to get your deposits back in these situations then you'd get loads of people breaking the rules in the hope they get into early profit and have a successful withdrawal, knowing full well that if they don't they can just trigger the rule breach and get their money back.

It's a bit of a mess to be honest, but that's why you should read the rules first. Sounds really unfair to have your deposits withheld as well but if they don't do that then it's effectively a free gamble - win and you might be able to get some of the profit out along with your deposit, lose and you just get your money back.

It's pretty obvious that the account-holder should only deposit using their own card. It's not like this rule was introduced recently and you've been on holiday or something so missed the change. Thousands of pounds deposited from someone else's card is classic money-laundering behaviour. Must have set off more red flags than a communist rally.

Good luck either way 👍
 
If you were guaranteed to get your deposits back in these situations then you'd get loads of people breaking the rules in the hope they get into early profit and have a successful withdrawal, knowing full well that if they don't they can just trigger the rule breach and get their money back.

It's a bit of a mess to be honest, but that's why you should read the rules first. Sounds really unfair to have your deposits withheld as well but if they don't do that then it's effectively a free gamble - win and you might be able to get some of the profit out along with your deposit, lose and you just get your money back.

It's pretty obvious that the account-holder should only deposit using their own card. It's not like this rule was introduced recently and you've been on holiday or something so missed the change. Thousands of pounds deposited from someone else's card is classic money-laundering behaviour. Must have set off more red flags than a communist rally.

Good luck either way 👍
Agreed, I can imagine there are people out there trying this as a variation of the "responsible gambling" fraud (as an explanation to those unaware: people who sign up to sites maliciously with "slightly different details" to evade the self-exclusion checks, then demanding their money back as a freeroll - often shouting loudly on forums such as CM, there's a long list of such banned people sadly - when they lost because they had self-excluded).

It would only be a free gamble if the operator failed in their due diligence and allowed a withdrawal - which they did in this case. A rogue player would try and use such a mechanism for a free gamble (as they did by exploiting the responsible gambling rules, which the UKGC had to subsequently tighten up to the detriment of genuine problem gamblers), but similarly the operator being allowed to keep the deposits when they have no expectation to pay out would similarly be a free gamble. The most logical position is to undo everything, but who knows at this stage.

If it had been £200 it would have been a tricky situation, that there's a couple of extra zeros (putting it above most AML and KYC thresholds) makes it really problematic - remember some of the UKGC examples against WH's £19.2m fine were smaller amounts than this... and didn't have the complication of using payment methods of a third party.
 
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