Confiscated winnings

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I don’t have a reason to sue them if they follow through with my withdrawal. Why would I?

This is not “my story”. I tell you exactly how it is. If you know anything about the Swedish BankID you also know it’s impossible to log in with that if you don’t have access to both code and the phone where the app is installed. I even use face recognition to use BankID.

I had a giant fight with my girlfriend about this after I got that email.

Not taking sides here. I don't know what relationship you have with you're girl but since you share an account I would presume it is a long lasting one. To then know, or find out, each others codes can't be that unusual. My wife knows mine anyway.
 
No @Matti She doesn’t know any of my codes at all. Would never share them with anyone of that simple reason that you can access EVERYTHING with them. That includes selling my shares, taking loans in my name, transfer all my savings and so on.

like I said earlier, I even use face recognition to use my ID
 
@goatwack

yeah, she has her bankaccount and I have my personal one. This account is shared and we use it and this card for online purchases and more “fun things”. Don’t know exactly how to explain it properly in English
 
No @Matti She doesn’t know any of my codes at all. Would never share them with anyone of that simple reason that you can access EVERYTHING with them. That includes selling my shares, taking loans in my name, transfer all my savings and so on.

like I said earlier, I even use face recognition to use my ID

I have the same code for my BankID as for overriding the Face recognition :eek2:
 
@Matti

Yes, but that doesn’t change the FACT that she doesn’t have access to either my phone, my face or my codes.

You can say that and be absolutely truthful but how can a casino be sure about this? It's a thin line and I understand a casino doesn't want to be fined so it's much easier to just void any gameplay and return your deposits, what I expect will happen.
 
Think that Jan will get back to you soon, tomorrow is Monday and people are working and he for sure find out what can be done and what not.

Just to accept deposits from self-excluded person is quite danger zone to enter, not sure how easy is to get around it that they are not violating SGA regulations if they are paying these winnings out which are gained from self-excluded persons payment method and not voiding all these transactions and refund deposits.

Hope you get your answer tomorrow, Jan is really fast and efficient and for sure see what can be done or not.
 
@Slottery

Thank you for your answer. This isn’t the payment method of a self excluded gambler. It is me who did the deposits.

But I do understand what you mean.

It would have been a different thing if they closed my casino account right after I made the deposits for this reason, but not after I spent over 12 hours gambling. I’m quite sure I wouldn’t have gotten my money back if I lost the deposits. So therefore it would have been a win-win for the casino.

Don’t forget I asked MORE THAN ONCE prior to deposits if it was okay to use this card.
 
@Slottery

Thank you for your answer. This isn’t the payment method of a self excluded gambler. It is me who did the deposits.

But I do understand what you mean.

It would have been a different thing if they closed my casino account right after I made the deposits for this reason, but not after I spent over 12 hours gambling. I’m quite sure I wouldn’t have gotten my money back if I lost the deposits. So therefore it would have been a win-win for the casino.

Don’t forget I asked MORE THAN ONCE prior to deposits if it was okay to use this card.

You're missing the point though, did you tell them you were using a card owned by someone who was self excluded? How could they possibly know that until the declaration was signed and returned? Then you have to give them time to check it, L&L don't work 24/7 so it could have been sitting there for hours which would explain why you could gamble before they noticed.
Not sure if I've missed it, but why didn't you just use the card in your name?
 
My partner uses my debit card all the time, and I don't even like her
:thumbsup:

Yes, she has sayed that your CM signature gave her permission to use your debit card for paying services like : I believe that sex is one of the most beautiful, natural, wholesome things that money can buy
 
Jan for sure will look at it and do what can be done. It might be that at the time of depositing they didn't have information to know that person who name was in card was self-excluded but only got information when reviewed these documents you sent.

There are incidents where casinos have been refunding lost deposits also when found out that they were made with payment method which belonged to self-excluded player. Can't really know what they can or can't do but at least you shouldn't lose deposits made with it. Tomorrow you be most probably have answer.
 
@colinsunderland

Becauase we use this card for things like this. I ofc, would have used my card if I knew about this. Something else would be very stupid to do.

She gambled some a few years ago, and if she gambled under this license she have used this card aswell — that I’m not sure about though.
 
Jan for sure will look at it and do what can be done. It might be that at the time of depositing they didn't have information to know that person who name was in card was self-excluded but only got information when reviewed these documents you sent.

There are incidents where casinos have been refunding lost deposits also when found out that they were made with payment method which belonged to self-excluded player. Can't really know what they can or can't do but at least you shouldn't lose deposits made with it. Tomorrow you be most probably have answer.

I understand. I’ve contacted spelinspektionen and a friend who’s a lawyer to look into it.

As stated in my initial post I’ve read the swedish gambling law and can’t find any paragraph that states they can’t pay me my winnings. The BankID is a personal, legit, identification method that no one else than the rightful owner have access to. I’ve even looked into some way to prove it was me using it.
 
I should also say that I’ve used this card on other casinos, other licenses, aswell and there has never been a problem.
 
@Sajsan12 This is an interesting one. It is clearly the case that you are the identified person using the account. The fact you are using a shared account to deposit seems irrelevant to me if they accept shared cards. I've never seen a single line in any regulation which states funds from a shared bank account where one person is self excluded means all bets must be void. Is this even stated anywhere in their own terms and conditions?

It seems the casino have made their own interpretations of those regulations and oddly enough one which favours them financially.

I think your decision to question this with both the regulator and a lawyer is a very wise one.

Please keep us posted.
 
I should also say that I’ve used this card on other casinos, other licenses, aswell and there has never been a problem.
But ... why? Why not use your own card?

It sounds like you’ve been lucky to not have problems before.
 
But ... why? Why not use your own card?

It sounds like you’ve been lucky to not have problems before.

Absolutely correct!

Most casino's will also mention in their T&C's to only use bank accounts/cards or e-wallets in your own name. Now you might have the go ahead from 1st line support to use a card in your partners name but when it comes to a withdrawal of about €30k the people that handle the financials will do a deep dive in your details and stuff like this will come to light giving them an easy way out of having to pay out a decent sum.
 
@colinsunderland

Becauase we use this card for things like this. I ofc, would have used my card if I knew about this. Something else would be very stupid to do.

She gambled some a few years ago, and if she gambled under this license she have used this card aswell — that I’m not sure about though.

ok, well i don't understand that personally.
You have your bank account with your card, she has her bank account with her card, you both have a joint account with 2 cards, one in each name, but when you deposit at a casino, you use the one in her name? I dont understand why you wouldn't just pick your card up for the joint account and use that one.

I'm sure Jan will update you tomorrow, but I strongly advise if you are gambling anywhere use a card in your name.
 
@colinsunderland you misunderstood me. We only have one card to our shared account and it happens to be in her name.

We do have our personal accounts and cards aswell, but we only use this card for online purchases and other “fun” things. I made sure beforehand, as I mentioned before, that it wouldn’t be a problem using this card. So don’t blame me for that. I did everything i possibly could.
 
Absolutely correct!

Most casino's will also mention in their T&C's to only use bank accounts/cards or e-wallets in your own name. Now you might have the go ahead from 1st line support to use a card in your partners name but when it comes to a withdrawal of about €30k the people that handle the financials will do a deep dive in your details and stuff like this will come to light giving them an easy way out of having to pay out a decent sum.

yes, I am aware of this.

Then they should have told me it could be a problem when I contacted them in the first place. Not tell me “sure, go ahead, it’s fine as long as you can verify you rightfully use the card”.
 
@Sajsan12 This is an interesting one. It is clearly the case that you are the identified person using the account. The fact you are using a shared account to deposit seems irrelevant to me if they accept shared cards. I've never seen a single line in any regulation which states funds from a shared bank account where one person is self excluded means all bets must be void. Is this even stated anywhere in their own terms and conditions?

It seems the casino have made their own interpretations of those regulations and oddly enough one which favours them financially.

I think your decision to question this with both the regulator and a lawyer is a very wise one.

Please keep us posted.

I will.

Thank you for your answer. This is exactly how I see it.

I’ve read the law and regulation numerous times now and can not find anything that state this. Just as you say.

I’m lucky having a close friend thats a business lawyer so I hope he will help me out. 300.000 SEK is a lot of money. And I spent 12 hours gambling for it... All legit.
 
@colinsunderland you misunderstood me. We only have one card to our shared account and it happens to be in her name.

We do have our personal accounts and cards aswell, but we only use this card for online purchases and other “fun” things. I made sure beforehand, as I mentioned before, that it wouldn’t be a problem using this card. So don’t blame me for that. I did everything i possibly could.

My apologies, I thought you each had a card for that account. That makes more sense to me as I have more than one account and wouldn't let a gambling transaction go near some of them :)
 
My apologies, I thought you each had a card for that account. That makes more sense to me as I have more than one account and wouldn't let a gambling transaction go near some of them :)

Yes, same here. I use my personal account and have to send bank statements to the finance department after using my - personal - card when traveling with work. Which I do a lot. Therefore I rather not use that card for gambling. Simple as that.
 
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