Casino Napoli accepting UK players without a UK Licence

ricky

Experienced Member
So I spoke with my bank and explained the issue. They said they would not be issuing a chargeback as per visa regulations regarding gambling transactions.

They said this was because it was Visa policy in such matters and that I had invalidated the chargeback since I had given the operator my card details. They said I should go to trading standards or a govenmental body to complain.

I explained that because the casino had acted fraudulently in being unregulated in the UK in the first place there was no Trading standard body or govenment department I could go to as they dont carry a UK licence. The bank rep just sounded out of their depth and gave a 'computer says no' response.

I am a bit vexed. If I had lied and told the bank 'oh I dont recognise these transactions somone has used my card without permission' they would have most probably given the chargeback.

Not sure if I shoudl push the bank further on the matter :confused:
push further, if not say you will complain to the financial ombudsman, or better yet show them cases from the financial ombudsman regarding chargebacks

report it to the police first ( actionfraud), use the reference and give it to your bank
 

thesea123

Disabled Account (contact Admin)
push further, if not say you will complain to the financial ombudsman, or better yet show them cases from the financial ombudsman regarding chargebacks

report it to the police first ( actionfraud), use the reference and give it to your bank
Cheers... I did not want to leave it without trying further. Ill contact Actionfraud and take it from there and post if there are any developments.

Thanks:thumbsup:
 

Rach23

Newbie member
PABnononaccred
NO, it is NOT 'unlawful' - if you have used a credit/debit card you can use Section 75 to charge back and being duped into purchasing goods or services that don't meet your local standards or regulations is covered. The purveyor has also breached their contract with the said payment providers. :thumbsup:

If the claimant needs evidence then a statement can be provided that the seller was operating fraudulently.

Hi Dunover or Max could you possibly provide me with a statement of fact about the fraudulent and non-compliant activities of these casinos as I'm trying to chargeback with my bank at the moment and it's proving quite difficult. I would be very greatful.

Thank you for your help with this.
 
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dunover

Unofficial T&C's Editor
Staff member
webmeister
PABnonaccred
PABnononaccred
CAG
mm3
OK, you need to prepare a statement which you can use these facts from authoritative sources:
You do not have permission to view link Log in or register now.

The above confirms their lack of UKGC license, inability to lawfully take UK players and previous fraud, including pirated games.
For some reason (I'll report this to Bryan) Napoli doesn't appear in the rogue list as an individual casino under his Affpower/Alpha Interactive shower-of-shit summary in the Rogue Section.
Next go here and confirm
You do not have permission to view link Log in or register now.
that Napoli nor Alpha Interactive are entitled to take UK players' bets.

Keep it simple, this is all you really need to demonstrate your case, third-party authoritative evidence and the UKGC's non-licensing of the product you have purchased. Unfortunately banks know next to nothing about the industry which they serve here so I only wish they would actually have a line of phone communication to the advocacy sites or UKGC.

I am not personally in a position of any authority other than experience, so all I can suggest is that on top of the two above pieces of evidence Max can type you a couple of paragraphs. I doubt he'll mention chargebacks as these are generally a no-no in casino world for obvious reasons, but simply a short statement listing the facts about this lot confirming their nefarious status.
 

Naok777

Experienced Member
It is relatively simple:

Law that makes the UKGC the authority on the matter:
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What the UKGC says on the matter:

If you provide facilities for remote gambling (online or through other means), or advertise to consumers in Britain, you will need a licence from the Gambling Commission.
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Your reason for disputing the transaction is that Casino Napoli misrepresented their product / service as being available to you in violation of the above.
 

dunover

Unofficial T&C's Editor
Staff member
webmeister
PABnonaccred
PABnononaccred
CAG
mm3
It is relatively simple:

Law that makes the UKGC the authority on the matter:
You do not have permission to view link Log in or register now.


What the UKGC says on the matter:


You do not have permission to view link Log in or register now.


Your reason for disputing the transaction is that Casino Napoli misrepresented their product / service as being available to you in violation of the above.
Yes that, in a nutshell, sums the issue up and would be the premise for the chargeback. I wouldn't get too involved in legislation and the other bits above as from experience if the case looks too complex they'll just cross a line through it as they aren't legal experts or lawyers and won't invest the time in all that research and in that case they'll likely do the easy thing and leave the transaction to stand. Keep it clear, straightforward and simple, as you would if explaining the case to somebody that has zero gaming industry knowledge.
 

Rach23

Newbie member
PABnononaccred
Thank you all for your help its very much appreciated.

I sent all the evidence over to the bank this morning and they have just rang me back. I've given them the further evidence above and they say there is nothing they can do. I paid with my visa debit.

She said that she has researched it for me and looked into everything and she could only fit it into two categories fraud eg someone else has taken my card and used it or misrepresentation.

She said they couldn't do fraud as they were deposits verified by visa and even though the site is acting fraudulently I paid for a game and got one.

Any ideas for what to do now?

Thank you once again
 

dunover

Unofficial T&C's Editor
Staff member
webmeister
PABnonaccred
PABnononaccred
CAG
mm3
Thank you all for your help its very much appreciated.

I sent all the evidence over to the bank this morning and they have just rang me back. I've given them the further evidence above and they say there is nothing they can do. I paid with my visa debit.

She said that she has researched it for me and looked into everything and she could only fit it into two categories fraud eg someone else has taken my card and used it or misrepresentation.

She said they couldn't do fraud as they were deposits verified by visa and even though the site is acting fraudulently I paid for a game and got one.

Any ideas for what to do now?

Thank you once again
Fight it - I understand the logic of the person speaking to you, but I would proceed to the Ombudsman. You paid for a game and got an ILLEGAL game that should never have been sold you and was provided by criminals. Basically these card companies are (unwittingly) assisting in money laundering by processing prohibited transactions to them. I think if you recorded or noted them saying 'even though the site is acting fraudulently' then that's most of your case underpinned as the card company is obliged to repay non-delivery of goods or fake goods.
 

Rach23

Newbie member
PABnononaccred
Thank you for this. I really do appreciate you giving your time to reply. I'll give it a go with the bank again first and then the ombudsman.

Does anyone know of anybody who has
been successful in getting their money back?


Thanks

Rachel

Fight it - I understand the logic of the person speaking to you, but I would proceed to the Ombudsman. You paid for a game and got an ILLEGAL game that should never have been sold you and was provided by criminals. Basically these card companies are (unwittingly) assisting in money laundering by processing prohibited transactions to them. I think if you recorded or noted them saying 'even though the site is acting fraudulently' then that's most of your case underpinned as the card company is obliged to repay non-delivery of goods or fake goods.
 

lotusch

Megaways Slots, as useless as salt in your coffee
PABaccred
webby
CAG
mm3
Pirated software and offer their services illegally to UK players (with or without a problem). Damn, that is vile!!
I hope a lot of people will find this thread and avoid this casino like the plague.

Bad bad business practice. :confused:

Will add them to the blacklisted casinos also and maybe send a warning out over Twitter.
 

Lincolnuk

Senior Member
MM
Hope you can sort the past issue out but as a bit of advice going forward. Always check the license. Dont just see Uk gaming commission at the bottom and think its fine. click on it and track its license back. Also always check here as said before above. Use accredited and if you dont know always ask first before giving them your cash. A lot of members on here from all walks of casino background from large playing experience to employees of the sector
 

EkJR

Experienced Member
There are many perfectly decent casinos taking UK players without holding a UK license - that doesn't necessarily make them bad guys.

However, I had a quick look at Napoli and they appear to be offering NetEnt games to the UK... that is definitely not allowed :mad:
Whether they are real NetEnts or fakes - I'm don't know how to tell.
They don't seem to have all of them: e.g. No Reel Rush, Demolition Squad for starters - maybe more...?

Maybe some members who are experienced in this field could take a look...?

KK
This is not correct. UK players can only play at
Thank you for this. I really do appreciate you giving your time to reply. I'll give it a go with the bank again first and then the ombudsman.

Does anyone know of anybody who has
been successful in getting their money back?


Thanks

Rachel
The bank won't charge it back. The main reason being that you have manually authorised the transaction, I.e you have entered your card details, the amount and your CVC code. Banks only appear willing to refund recurring payments such as Spotify and other subscriptions. Gambling transactions appear on a different code which means they can't be reversed. I would continue to message the Casino, claim you are from the authorities in the UK and demand your deposits back or there will be further action.

Trading Standards won't help you as Casino Napoli are not a UK business. You could contact the authorities in the country that their head office/licence is held in.

It's a difficult one but you will have learned that it's on UKGC casinos you should be on, always check.
 
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pinnit2014

Meister Member
PABnoaccred
mm1
Entering card details manually has not bearing on a legitimacy of a chargeback.

It’s to do whether goods or services were supplied/bona fida. I can manually authorise a transaction, service not delivered etc and can charge back on that basis.
 

SpinUk

Senior Member
PABnonaccred
MM
This is not correct. UK players can only play at


The bank won't charge it back. The main reason being that you have manually authorised the transaction, I.e you have entered your card details, the amount and your CVC code. Banks only appear willing to refund recurring payments such as Spotify and other subscriptions. Gambling transactions appear on a different code which means they can't be reversed. I would continue to message the Casino, claim you are from the police in the UK and demand your deposits back or there will be further action.

Trading Standards won't help you as Casino Napoli are not a UK business. You could contact the authorities in the country that their head office/licence is held in.

It's a difficult one but you will have learned that it's on UKGC casinos you should be on, always check.
Sorry thats rubbish. You can chargeback gambling transactions.

“claim you are from the police in the UK” which IS actually a UK offence. Dont recommend it.
 

EkJR

Experienced Member
Entering card details manually has not bearing on a legitimacy of a chargeback.

It’s to do whether goods or services were supplied/bona fida. I can manually authorise a transaction, service not delivered etc and can charge back on that basis.
It does. Try speaking to a bank here about it, they will do nothing. They will say that the person fully authorised the transaction and will state they are unable to charge it back.
 

EkJR

Experienced Member
Sorry thats rubbish. You can chargeback gambling transactions.

“claim you are from the police in the UK” which IS actually a UK offence. Dont recommend it.
I can assure you you cannot. Try asking any UK bank and they will tell you the same thing. They will say because you fully authorised the payment they can do nothing on a gambling code. Trust me, I have tried with RBS, Halifax and Barclays in the past. They cannot do it.
 

EkJR

Experienced Member
Sorry thats rubbish. You can chargeback gambling transactions.

“claim you are from the police in the UK” which IS actually a UK offence. Dont recommend it.
Have fixed that now. Options are limited though.
 
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