Unfortunately that is the case with many casino groups, notably EveryMatrix that have (sometimes I think deliberately) inadequate due diligence in place to detect duplicate accounts/cross referenced details. This means that when you deposit for weeks and lose, you're none the wiser and they keep your bets even though they are technically void. Should you win then naturally it will come to light the bets are void and they won't pay you, except maybe your deposit back should you kick up enough fuss. It's unethical, the useless UKGC is aware of it (I personally spoke to them a year back) yet their woolly rules allow some casinos to perpetuate this scam.
You will also find the crucial information about linked casinos MISSING IN NEARLY EVERY CASE from casino T&C's so you'll never be aware of whom is linked to whom which is in breach of nearly all UK consumer protection and contract law as the terms are then inherently unfair and incomplete. EveryMatrix were recently taken to court by a player for exactly this issue, and the player won by default which was clever by EveryMatrix as had they contested the case on the merits of the player's arguments as above and inevitably lost, there would have been a case-in-law and a precedent set. This would mean an avalanche of non-paid players claiming plus the UKGC would then have to insist in its rules that co-licensees are listed, and thus EM's and other groups' little scam would be smashed. As it is, it continues.
I don't like chargebacks as they can be shared amongst all casinos and seriously affect your chances of being paid or even joining some sites in future. I have, however, recommended people to do this when it turns out their card payment was spent on void bets because the casino is at fault for NOT making it clear that you can't be paid in their terms via not mentioning this crucial information.
There are two types of chargebacks - dishonest scum who fancy playing for free and getting deposits back if they lose, the scourge of the online gaming world (mind you it's little different from what EM do...)
and....
a customer or player using Section 75 as their legal entitlement to retrieve monies when goods are faulty or undelivered or services not provided as described.
So legally and morally you did NOTHING wrong, if you pay for a treasure and get a turd you can claim your money back. As you said, with hindsight you wouldn't have gone through that hassle had you known at the time about us and CM along with its arbitration service and rep access. Now you know!
