Had to close bank account

[suzecat]

This is all a wicky sticket Babs! I believe that you believe you did nothing wrong but I disagree with that decision.

Babster, you have a gambling problem IMO and what you do to clear this mess up will speak volumes about your future. Inetbet amd maybe others are out of pocket real money because of your actions or inactions. Yes, you could tell yourself you did nothing wrong and the casinos can stuff it, or you could do the honorable thing IMO and make restitution. I believe this course of action would go far in showing CM that you value your membership here.

Of course, it's up to you.

 

[babs7262]

Just to clarify one thing: I dont have a gambling problem. I am very familiar with addiction. I have a budget and stick to it. When I feel a break is needed, I take one. Not because of money, because even if I feel Im playing too many free tournies I take a break. A gambling addiction is something like any other addiction. It makes your life not managable. All of my bills are paid on time, I go out to dinner a couple times a week (or order in), I buy what Im suppose to buy on holidays , always have plenty of food, have disposable income , a 401k plan and a savings account.

Please do not accuse me of an addiction when you "may" not have an idea what that word means. This chargeback situation had nothing to do with money, it was the principle(pal) whichever one it is. I am just saying I am in no position to pay the $1800 now because that wasnt the amount charged back. It was in the $180 area and anything over that is an error.

Keep em coming, I have thick skin, but do not accuse me of addiction when my life is under control in that matter. I am a responsible gambler and that was uncalled for

 

[winbig]

It was in the $180 area and anything over that is an error.

...but you have to look at it from iNet's point of view, as well..If they were indeed (which I don't doubt) charged $75+ for each returned deposit, are they supposed to just write that amount off?

A similar scenario would be if someone went to a grocery store and wrote a check that didn't clear. The grocery store then comes after their money, but has to add on an additional $xx to make up for what the store's bank charged them....

And yet another scenario, (which has popped up here numerous times before,) is where a player gets a check from XYZ casino. They take it to their bank, and start writing checks against that check....that come to find out, doesn't clear for one reason or another. Now, you have a player that is not only out the amount of the check that they got from the casino, but now they have bounced check fees for those checks that didn't clear because the casino's check bounced.

Should the casino only be responsible for the amount of the original check? Nope, they should pay for any returned check fees, as well.


As one can see, it goes both ways...

 

[jod5413]

Babs,

I am truly sorry for this mess you have created for yourself. However, in my opinion, and probably a few others here, you are in denial about a couple of things.

As others stated before, you do not do chargebacks at a reputable casino. Then, you do not deny doing wrong and tell people you do not feel you owe the fines you caused by your irresponsible behavior.

You do not deny having a problem, gambling or otherwise, when behavior such as yours comes to light.

Thick skin or not, you are in the wrong, no matter what spin or "con" story you hand out.

You owe and you need to make it right. Your integrity, morals, and your sense of right and wrong, your friends' feelings and trust in your supposed honesty, all are at stake to the entire gaming world. There is no anonymity in this small community.

Sorry.

 

[GaryWatson]

Actually the numbers are:
21 deposits (charged back)
$273 total
the fine was $75 per transaction (it was thought to be $100 per)

$1575 in fines + $273 = $1848 Total

So what now?

OK, Im not going into the rights or wrongs of the argument so my advice would be to allow the bank account to stay closed. I would open another account elsewhere.

I would then go on to challenge the $1575 in fines. Technically I dont think they are considered fines, they are seen as processing fees. In court, the bank then has to divulge the true cost, they wont because if they did they would probably go bust after a few million refunds. Your case should go unchallenged and the bank will write it off.

Gambling can be a real bitch but the banks can put you in as much shit. Thats my view on your case against the bank. Im not sure on how to deal with the casinos side of the fees but im sure most pull a few strokes and you can probably come to some kind of arrangement to keep your peace at mind. Consider yourself banned from the Casino and move on (Away from gambling).

Babs you really need to forget about chasing that big win, you will only get yourself deeper in the crapper

 

[dcpam39]

I had to close my bank because they caught on and took out all Isagro holdings deposits without my consent. This has caused all kinds of upheaval with the casinos.

What I have a problem with, is that the original posting gave the impression that U.S. banks were/could be scrutinizing gaming transactions and denying the charges without a person's consent. When in fact, this turns out to be an individual's personal problem with a casino(s). It's a little hard to completely accept Babs explanation, when, the original posting was not complete and transparent.

 

[Antonia1953]

Never do a chargeback...and never charge more than you can afford to spend. I would have eaten the $200 before I would have charged it back. We US players have to keep a low profile with any and all payment processors.

With that said, I would encourage you to make amends with the casino with any payment plan you can agree upon. Your actions triggered the additional fees, so you are responsible for them, both ethically and morally. I think Bryan has provided the facts and I'm sorry he was put in a position to have to do that. I think you must have been feeling very desperate to bring this situation to the forum and didn't intend to step on any toes. I also think that in so doing, you have warned others of the horrors that can arise with a chargeback.

You can't change what has happened, but you can do your best to repair the damage. I think all of us have taken actions that resulted in unintended damage and when it happens all we can do is try and repair it. I don't think fighting what has to be done is going to provide you any comfort, but working toward a solution will....I promise you.

 

[babs7262]

I know myself and I know for a fact that I dont have a gambling problem. You guys do not know me and can sure think what you want. Depositing $50-$100 a week is nothing and not a problem because thats what I budget for. I cashout $50-$100 plus at a time, I dont keep going like alot of you guys do hoping for that unattainable pipe dream. What I said in the past is that I would like to win $1000 at one time,( its a nice goal for me to look foward to one day if it ever happens.) from one of my $10 deposits that I start out low rolling and move up. Once I hit more than $100 plus some to keep me entertained, I cash out. I am one of the healthiest gamblers here, Its so funny that you guys can sit here and judge me when I see $10-$20 spins and "omg i was up $5K and lost it" posts. Are you kidding me? I already closed out my accounts with 90% of the casinos months ago because they do nothing for me. I am exclusive to 3dice and have been for quite some time with an exception of a Rival every now and then or when I played CLubWorld ONCE last week but that was it.

Im sorry to disappoint you but I am basically a happy person with health issues in a not perfect but very good marriage that has everything she needs and a few things I would like to have. As much as I enjoy reading posts in here, my life wont change one way or another if I am banned because I always find things to do. I am satisfied with any decision that is made because as I said before, my real "friends" will keep in touch with me and the ones that don't were never really friends

 

[XOXOXOXOXOX]

On another note, there have been some questions about Linda7's account being closed here - it has nothing to do with this thread.

She had created another persona 9111986 for whatever reason, and filed a bogus PAB
https://www.casinomeister.com/forums/members/

Linda7 and 9111986 are the same person, using the same computer. She tried BSing her way out of it, but she blew it, which is a real shame since she is a long time member.

I am sorry, may be this comment does not belong to this thread but how someone be "Quit Gambling" after they were caught having duplicate account and opened a bogus PAB??

 

[The Dude]

I am sorry, may be this comment does not belong to this thread but how someone be "Quit Gambling" after they were caught having duplicate account and opened a bogus PAB??

Because she was a long time member and I'm trying to save her some embarrassment. Sometimes discretion is the best policy.

She quit the forum with my assistance you might say.

 

[Lisa10xxx]

Reading all this mess I feel sorry for EVERYONE because WHO EVER is at fault, it is still a bad situation for all involved. I will be sorry to see babs go "IF" that is Bryan's decision, KNOWING it will NOT be easy for him to do. Hopefully, babs you and Inetbet can come to some sort of agreement as to HOW you can pay back what you owe. I do believe you owe Inetbet but can't comment on how much because I am just a bystander. I do however trust Bryan with the figures he showed, you are responsible for the charge back fees babs, it certainly is NOT the casinos obligation to pay them but maybe they will forgive some? You could try. Good luck and I hope this ends on good terms for everyone involved. I hope babs everything works out for you in your personal life as well!

 

[AussieDave]

I, like others, would hate to see her go...because when it all boils down, I think babs is a great person to have around.

I agree

But on the same token, having different course for different horses, that is 1 rule for one and another for someone else, makes mockery of the whole ban protocols.

I don't believe that all rules should be black & white. In this instance IMO babs forum history should be taken into consideration. But I also feel that the severity of this is matter has broken a cardinal rule. With that in mind I it's my opinion that a suspension for x number of days would be fitting.

Maybe this post will jack people up. I'm sorry if that's the case. But, if we are to honour and abide by a set of rules, then everyone (given case by case situation) can not just be given a get out of jail card free based on whether you like someone or not.

Cheers
T

 

[catrina m]

Such a shame.

Honesty is a good policy.

 

[LaurieJim]

babs, you know i think the world of you and we are good buds,we talk on the phone and we will continue to be friends no matter how the chips fall, you have given me advice in the past, it was hard to swallow but i did what you suggested as you cared for me as a friend and now thats what im doing for you.

im asking you as a friend who cares to email emily on these chargebacks or her boss, everyone has to answer to someone, see if you can make payments to them on these fines, pay the 200.00 plus charges now if you can, to show your good faith.

i will be there for you as a friend, you are a honorable good person and i do think this whole mess can be made right. if anything good has come from all of this, its to show what a high price anyone can pay for chargebacks, money wise and personally. im here for you and please do not be mad at me as this is from someone who cares about you..................laurie

 

[Simmo!]

Potential solution:

Babs repays iNet a set amount, perhaps the $273 charged back, and agrees to a condition that over the course of a given time period she continues to play there depositing to the value of at least the debt balance. If she loses it, well they have their money back and gambling there means she isn't putting the money owed to iNet into another casino in the meantime.

If she wins or cashes out, iNet keep 75% of the cashout ongoing until the debt is paid. Perhaps with a year time limit. Conditionally: Babs is not allowed to charge back again and she has to deposit that amount over the period decided on, if she doesmn't the outstanding balance is due in full.

Seems like a gentle solution to a delicate issue.

One serious issue here: whatever the solution, I suggest it is not published or it potentially sets a precedent and might encourage unscrupulous people to try it on.

 

[anniemac]

Simmo,

While your suggestion has merit, what happens when the next player does the same thing? Is Inetbet going to be lenient with them too? Of course InetBet could agree just to recoup something. But I don't see it happening.

I'm not after Babs at all but as the saying goes "What's good for the goose is good for the gander". It can't be one way for one and another way for someone else.

 

[EasyRhino]

$75 in fees on transactions that averaged under $10 each. Somebody got robbed. I don't know if the guys raking in the fees were Babs's bank, Isagro, or Inetbet, but somebody made out like a bandit. I don't find $75 in fees to be unbelievable, but I do find it to be ridiculous.

Babs's decision is complicated. Let's assume that she should not have charged back any of the transactions. Well that's fine, but now you have a casino coming to collect for $1800. The thing is... she has absolutely no incentive to pay it. Like a homeowner getting foreclosed on, she can just walk away. Get the casino account closed, the bank account closed, and the meister account closed. For $1800, I'd be willing to sacrifice them all.

(And for the record, I've never even thought of disputing legitimate transactions, but if someone wants to charge me $1500 in bank charges, I'm going to tell them to pound sand).

Inetbet's position is simple. They want to get paid. Preferably by a method that can't be charged back. They've also probably had to deal with this situation with other customers... I wondered how they handled it.

Perhaps Babs could offer to pay the original deposit amount ($200 ish). then, some investigative work could be doen to asses where the fees were charged... and then see what happens. If it was Babs's bank, she could try jawboning them into refunding fees, assuming that she has a leg to stand on in her argument that the bank charged back TOO MANY transactions. If Isagro charged fees to Inetbet, maybe Inetbet can jawbone them.

 

[LaurieJim]

Simmo,

While your suggestion has merit, what happens when the next player does the same thing? Is Inetbet going to be lenient with them too? Of course InetBet could agree just to recoup something. But I don't see it happening.

I'm not after Babs at all but as the saying goes "What's good for the goose is good for the gander". It can't be one way for one and another way for someone else.

it does have that flaw annie, but if babs doesnt have the 1800.00 plus right now, this would be a way of inet recouping their losses and barbara having a way to pay back the fines,them keeping 75% of any cashouts would be more than fair imo and also it would be a way of showing her good will of repaying, its far better than a repayment plan, it would allow her to gamble and pay off those fines at the same time. i would hope inet would offer this option to her as a one shot, take it or leave it deal, theres that other saying about" you cant get blood out of a turnip",not that im calling her a turnip but i have to agree simmo does have a good plan but your point is just as valid, there are some out there who might want the same treatment....this is kinda like" stuck between a rock and a hard place"............laurie

 

[winbig]

$75 in fees on transactions that averaged under $10 each. Somebody got robbed.

Fees are what they are. Say you had a bank account and you wrote a check for 50 cents over what you had in the account. The bank has every right to charge you $50 or even $500 in overdraft fees, as stated in their T&C. The only difference is that a bank may or may not waive these fees, but again, it's up to someone that has the power to say so. They are in no way obligated to waive the fees. If that .50 caused several checks to bounce, then guess what? The bank is going to charge you that same amount for each and every returned check. They could care less how much in fees that you accumulate.

Does it make things right that they can charge an exhorbinate amount for such small transactions? Nope.....but they have the right to do so if you agreed to their T&C.

And also keep in mind that we're talking about a business processing account, not some personal checking account....so I can imagine that their fees are somewhat higher than average. Especially when they're dealing with a processor that will even consider taking USA transactions.

 

[catrina m]

When this was first posted she said it was all the banks idea, I immediately went to my banks website to make sure this had not happened to me. I took it upon her merit as a member of this forum that some more problems were looming for US players.

Then several players asked which bank. Which was what I wanted to do since it might be my bank, (some are nationwide). Then swerve to the left. then swerve to the right. What can you believe but whats been produced and proved.

My skin is not thick, but I would never spend money, receive a product and wan't my money back. Isn't it that simple?

Please forgive me for saying so but isn't that almost being a thief?

I don't want to bring harsh words like that into any conversation but am I seeing this wrong now that I have read it?

I apologize in advance if the community see's this post as too much but this thread shocked me, and put me even more ill at ease about a pastime I sometimes complain about, but really enjoy.

 

[catrina m]

I had to close my bank because they caught on I wasnt going to make this public because I didnt want to scare people.

It did

 

[LaurieJim]

as someone who speaks to babs on the phone atleast once a week for some time now , i can assure you she is no thief imho. i would imagine she is afraid and confused on what she should do right now, i dont know for sure as only she can speak for herself but im positive that she will do the right thing as soon as she has time to reflect on what needs to be done to get this mess behind her. we all make mistakes in our lives, who ever doesnt or hasnt would not be telling the truth, we live and learn by our mistakes, thats what makes us human.............laurie

 

[Nifty29]

Geez what a mess - shame it had to happen to Inetbet as they are one of the few shining lights these days and always have been.

If we want to get down to brass tacks, Babs has no LEGAL obligation to repay ANY of the fees or even the deposit amounts. As another poster pointed out, its like losing your home - you just walk away and the financiers bear the associated costs....but guess what??...we will all have to pay as the casinos have to recover those funds somehow, whether it be via higher wagering on bonuses or max cashouts or even reduced payout %....PLUS the increasing charges from our banks to recover what they lose in the whole process. I believe that most of the 'processing fees' generated are paid to VISA/MC etc as it is all done through their system, with the banks adding their own fees to cover their own 'time'.

I look at it this way. If Im walking down the street and I see someone lying there groaning or obviously injured in some way, I have no LEGAL obligation to assist them. Would I help them? Absolutely, and so would most of you. Its the right thing to do. Its a MORAL obligation.

Now Babs has to decide what 'doing the right thing' means to her personally.


FYI _ I found some info about chargebacks on the web for anyone (like me) who wasnt entirely clear about the process and how it affects businesses.

A merchant is billed for chargebacks as they occur, along with other fees and settlements associated with credit card acceptance. Because a merchant may be charged back in error, and because chargebacks may often involve complicated customer disputes, a chargeback may be appealed by the merchant. This process varies by credit card. If the chargeback is found to have been in error, the transaction will be "re-presented" and the merchant will be granted a reversal.

Thieves occasionally abuse the chargeback system. For example, in a "Friendly Fraud", an unscrupulous customer will make a purchase over the Internet with his own credit card and then issue a chargeback once the product or service is received. In such cases merchants can have difficulty recovering payment.

In cases of credit card fraud, the merchant loses the goods or services sold, the payment, the fees for processing the payment, any currency conversion commissions, and the chargeback processing fee

 

[GaryWatson]

Nifty, I dont agree with every point, but a gambling debt is a debt. If you play with your cash to win more cash you should be prepared to lose and accept it.

Chargebacks happen for a reason & if this case is justified, fair enough but if not, poor show.

Some forum members should refrain from offering their team character support. Many dont agree but are not as focal.

This comes down to a (non) compulsive gambler living within her means. She doesnt have an issue with paying out but she has an issue with why she is paying out. End of story.

 

[dalzilla]

Going to be blunt....

The question I have is why wasn't Babs honest upfront? Rules are rules, chargebacks are chargebacks. I feel like she has violated the trust of the forum.

 

[chuchu59]

Good lord, how in the world could $180.00 possibly turn into $2,000.00....that just does not seem realistic unless you are dealing with Guido the Loan Shark or someone like that...

Rob,

In Hong Kong, some loans can rise astronomically to twenty or thirty fold the original amount over a year or so due to interest charges (near 50%p.a), miscellaneous admin fees but most of costs of employing a debt collection agency. It probably applies to USA as well.

From the facts I gather Babs is in the wrong but more in her naivety than anything else. Despite being a long-time member here she isnt too knowlegable on how the industry views chargebacks and she deserves a spanking for it. Neither did she know that the costs would spiral like they have. I agree that Babs should pay Inet the amount of the chargebacks plus reasonable admin costs but definitely not absurd amounts. It's not right that any party, be it banks, agencies can charge whatever they like. The breakdown of the $2K in question should also be made readily available and Babs and Inet should come to a compromise.

 

[footdr]

REGARDING DEPOSIT AMOUNTS NOT MATCHING POSTED ITEMS ON BANK STATEMENT

Certain Processors send in charges for different amount than actual casino deposit(pennies difference).

BUT...... when this has happened to me, the amount they submit to my bank is always LESS than my deposit. NEVER more.

If she was charged more; and it was not due to her bank charging a foreign transaction fee; then she has a right to recover the overcharge.

If the processor were to refuse to return any amount over what she authorized then she would have a right to dispute the charge with her bank.

The entire amount has to be disputed as "amount billed not authorized" "amount different than authorized charge" which if you are overcharged is a true statement.

Most Banks ask but cannot require you to try to work it out with the merchant first, before filing the dispute.

Legally, the Casinos processor can dispute the chargeback. But since the transaction was submitted illegally they probably won't opt to dispute it as they have to send in documentation proving the transaction was initiated by the cardholder and what the charge was for.

So, basically, if the Casinos contract with the processor requires them to pay the processor for chargedback items they are out the funds. Some ewallets are the ones that lose because their contract with casino states they will collect chargebacks. I assume the Casinos pay a relative large fee for this type of contract.

Players are on the honor system because legally Casinos and processors can't force collection.

 

[babs7262]

I may even be banned from here because it looks like I did this on purpose when In fact I only requested a few unauthorized charges back in Oct 2008. I have since been seeing alot more that I did not ask for. I cannot say this enough. IF you are a USA resident, please dont take any chances with your Visadebit because it will bite you in the butt

See above : in my Original post for those who thought I misled them by not saying I didnt initiate the original chargeback in October. I really wish people would read the WHOLE post and not just parts because most of the threads are you guys saying I didnt mention that I initiated the first ones when infact I did. Again, I am pm'ing people who ask me for the bank name. I have been consistant since post one. When someone is telling the truth on what has been done there is no need to change anything

 

[silcnlayc]

I dont have a habit of doing chargebacks for fun. It was done twice in 2 1/2 years

This is NOT her first foray in doing chargbacks. This time it backfired is the only thing one can conclude.

i would imagine she is afraid and confused on what she should do right now

I don't believe she is afraid or confused since she has done it before.

The odd thing is about 1 1/2 years ago I had a problem with double dipping which was taken care of and they didnt go ahead and start removing all of them so why would I think they would do that this time?

One does not do chargebacks period. One is supposed to call and clear it up with the casino/processor in question before anything is chargedback. For the few dollars/pennies difference (never got the amount of differences), one also has to ask, is it worth the heartache to come to dispute, but knowing one has done it a few times already and gotten their way with it, why not give it another shot..is my opinion only..


.

 

[heatherad]

babs, I know you have stated that you do owe Inetbet an amount around $180 or so but forgive me if I quoted that wrong.
Why not just take the $50-100 that you budget to gamble with and pay Inetbet until the amount you feel you owe is paid off. IN MY OWN opinion, the fees charged to you are outrageous but I do know some businesses can charge upwards of $95 for fees.
I definately wouldn't go the route of playing at Inetbet until the debt is paid off and if you won they take %75 percent. I'd be too leary that after all is said and done, somehow I'd be screwed out of getting a cent if I hit bigtime.
Everyone is going to have their own opinion, which they are entitled to, but in the end, you will know what the right thing to do is, whichever way you decide to go.
Surely Inetbet can do their part in lessening the fees in an act of good faith.
I can only imagine what one must be going through faced with a situation like yours.

 

[1819]

Geez what a mess - shame it had to happen to Inetbet as they are one of the few shining lights these days and always have been.

If we want to get down to brass tacks, Babs has no LEGAL obligation to repay ANY of the fees or even the deposit amounts. As another poster pointed out, its like losing your home - you just walk away and the financiers bear the associated costs....but guess what??...we will all have to pay as the casinos have to recover those funds somehow, whether it be via higher wagering on bonuses or max cashouts or even reduced payout %....PLUS the increasing charges from our banks to recover what they lose in the whole process. I believe that most of the 'processing fees' generated are paid to VISA/MC etc as it is all done through their system, with the banks adding their own fees to cover their own 'time'.

I look at it this way. If Im walking down the street and I see someone lying there groaning or obviously injured in some way, I have no LEGAL obligation to assist them. Would I help them? Absolutely, and so would most of you. Its the right thing to do. Its a MORAL obligation.

Now Babs has to decide what 'doing the right thing' means to her personally.


FYI _ I found some info about chargebacks on the web for anyone (like me) who wasnt entirely clear about the process and how it affects businesses.

let's not get crazy. a man dying in the street and a gambling debt are millions of miles apart on the morality scale. i doubt you can even use the word moral in the same sentence as gambling or casino. whether a mistake was made or it was done on purpose there is no innocent victim here. let's not shed too many tears for a casino please. it is in the casinos interest to work out a fair solution to keep a customer. if they cannot work out a fair solution then they lose a regular depositing customer. i'm positive they do not want that to happen. i'm not speaking for babs, or about her, just a general statement... if it is a choice between feeding my family or paying a casino back service fees it is not even close. bye, bye casino!! it is not a moral issue. it is dollars and cents.

 

[silcnlayc]

Surely Inetbet can do their part in lessening the fees in an act of good faith.

I am amzed that the casino is put on the spot when they did not do the deed...

if it is a choice between feeding my family or paying a casino back service fees it is not even close

But it's not..when it was stated she has money put aside for trips to casinos monthly and to play online weekly.

I think many are going off in too many directions. You bounce a check, you pay the fees. No question. Once in a while the bank reduces the fees if asked nicely. But, you pay in the end. It is not up to the bank to ask YOU if they can help in any way.

The deposits were stopped on purpose, money did not flow where it should have, fees accumulated and it wasn't anyone but the player that started this whole thing. Now they need to ask nicely for an adjustment in charges and to pay the initial amount IMMEDIATELY since she got that back in the first place. Why hasn't this been paid already since she got the money back and has benefit of it in her account? And the other fees could be left until it could be worked out to everyones satisfaction?


.

 

[Lisa10xxx]

I am amzed that the casino is put on the spot when they did not do the deed...But it's not..when it was stated she has money put aside for trips to casinos monthly and to play online weekly.

I think many are going off in too many directions. You bounce a check, you pay the fees. No question. Once in a while the bank reduces the fees if asked nicely. But, you pay in the end. It is not up to the bank to ask YOU if they can help in any way.

The deposits were stopped on purpose, money did not flow where it should have, fees accumulated and it wasn't anyone but the player that started this whole thing. Now they need to ask nicely for an adjustment in charges and to pay the initial amount IMMEDIATELY since she got that back in the first place. Why hasn't this been paid already since she got the money back and has benefit of it in her account? And the other fees could be left until it could be worked out to everyones satisfaction?

I agree, babs started this whole thing with chargebacks without trying to contact the casino FIRST to work something out, which was a BIG mistake. And I believe she OWES inetbet back. But to her defense, as weak as it is, I do however think the FEES are way to EXTREME and should come down some. The REAL problem with all this is it can cause the casinos that have not left us US players to rethink their position "IF" they have no recourse to get their monies owed unless they BEND in some way for the players so they can recoup some or all of their money. Is it fair to ask a casino that you already played with the money to give you some help and take off some fees when you KNEW what you were doing and was compensated by the chargebacks? I am in no way one to back a casino since I never win at ANY of them and Inetbet is like the hardest to win at, of which I only deposit, never YET have had a w/d. But, it is NOT inetbets fault this happened and although the fees are high they are however taking a risk themselves by NOT leaving us US players. I keep asking this question to myself, we all take certain risks in playing, why would ANYONE wave a red flag with chargebacks KNOWING what the destination was in the first place? That to me does not make sense, for the few cents off that caused all this mess, I would take the loss! Sorry babs just my thoughts, I do feel for you but this can cause a major problem for all of us who enjoys time spent in the casinos!

 

[heatherad]

I am amzed that the casino is put on the spot when they did not do the deed...But it's not..when it was stated she has money put aside for trips to casinos monthly and to play online weekly.

I not once put the casino on the spot. Merely stated an act of good faith which most times breaks the ice in alot of situations. Had I been putting any blame on them I would of stated it is highway robbery charging those outlandish fees or something along those lines. Who knows, maybe it isn't even Inetbet who initiated those fees.
I believe many people said it already that it is how we fix our mistakes that count in the end. And hopefully the old saying goes that one will learn from their mistakes as well.
Its the internet, things are always not taken how they are typed.
Did this all start because she charged back over being double dipped or over a few dollars being off the amount she put in?

 

[heatherad]

Just wanted to add that I know how to apologize when it turns out I was wrong about something.
I had no clue who incurred the high fees until a little while ago. I apologize to Inetbet for assuming it was on their end when it was them who was charged such astromical fees for the chargebacks.
So, on that note, this thread has me exhausted but much more knowledgeable about what chargebacks are and what can happen when they occur.

 

[GaryWatson]

banking fees are evil. I worked for a bank and saw the destruction. I lived and worked in a deprived area. I had neighbours coming in with fees over their weekly wages. I have no time for banks. I got sacked for breaking into their suspense account & fiddling around with charges. Technically i never got sacked, I was asked to resign & did so. I later took them to court and won my case against them over issues such as fees. They did a no show.

The way I see it, babs has a personal obligation to fight all bank charges. Her family does come first. She is a fool/addict to continue with her gambling budget, but as affiliates, we cover the costs of her misjudgement, not the casino. I think she has to quit gambling for her and her familys sake.

Casinos never refund chargebacks to the affiliate, so they are in a win/win situation. The damage is already done. I believe in honoring gambling debts, period. Babs I hope for your sake you end up with the green label. Take control of your own situation before its too late.

 

[brianzz]

I can honestly say I'm appalled at the thought, let alone the suggestion, of a casino letting a player, who has defrauded them recently, continue to deposit and play and hope that said fraudster will win so they can get some of the money back they were defrauded out of. For the love of god, I couldn't fathom that.

Doesn't anyone remember Harrah's casino a few years ago loaning a player money (marker) even after this same player had bankrupted on a marker from them just 4 years earlier?

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I can honestly say that my bank called me up and said "We've identified some charges on your debit card as gambling and we've hot carded your debit card and sent the charges back."

A few months ago they just killed my card and issued a new one because some charges came through with the transaction code as gambling. Evidently some new deposits from the same billing description sent up the red flags and they sent them back. If the casino contacts me I'll gladly pay the charged back amount, but I won't pay the fees since I didn't authorize or initiate the charge back. Morals, standards, terms and conditions, reputations or not, I've never charged back anything and probably never will.

Just a fair warning, just because my bank does it doesn't mean they're all going to do it. But if I were still gambling with a debit card, or online at all, I certainly wouldn't be so flippidy dippidty with using it at every online casino, especially those using software that's readily licensed to known rogue outfits.

 

[Lisa10xxx]

I was just pm'd from inetbet CORRECTING me on fees actually this is what they have to pay and they do NOT make up the fees themselves, this is the info they sent me.....You mention fees we are putting on. This is not correct, they were fines that we have had to pay. This is what had to be paid by us to our processor by way of a fine for putting through charges that have been reversed. So there is no way we can reduce these or be lenient. That is how much they are.
Just though I would clear this misconception up.
Best Regards
iNetBet Promos

I apoligize to inetbet for misunderstanding WHO controls the fees, thank you for the info and I hope everything works out!

 

[LaurieJim]

You mention fees we are putting on. This is not correct, they were fines that we have had to pay. This is what had to be paid by us to our processor by way of a fine for putting through charges that have been reversed. So there is no way we can reduce these or be lenient. That is how much they are.
Just though I would clear this misconception up.
Best Regards
iNetBet Promos ........................thanks promo guys for clearing this up about the fines, im just so sorry for the parties involved in this mess and i hope somehow or way it can be resolved but if anything came from this, we all learned a lesson, its not just one person thats affected when chargebacks are the issue, everyone pays for it one way or another.......laurie

 

[silcnlayc]

heatherad: I not once put the casino on the spot.

heatherad, I am sorry you took this general statement personally..

I am amzed that the casino is put on the spot when they did not do the deed...But it's not..when it was stated she has money put aside for trips to casinos monthly and to play online weekly.

it was not meant or said to any one person...just generally since so many felt it was the casinos duty to work with the player and not the other way around..hope this clears up that statement, didn't want you feeling that it was meant for you .... apologies if you thought this and my not wording it better

.

 

[Jasminebed]

If I follow this correctly the OP DID initiate one or more chargebacks, but not all 21. After her bank had identified the transactions, the bank initiated further chargebacks, without the OP's authorization, resulting in a very large number of them, and multiple fees.

While I am in no way suggesting that Inetbet is culpable in this affair, it seems unlikely that they will recover the fees for the reversals unless they either arrange a debt reduction or a payment plan, both of which are common for debt collection. They cannot legally enforce collection.

Sometimes a hasty action can snowball in a way we do not forsee.

 

[jas2587]

If I follow this correctly the OP DID initiate one or more chargebacks, but not all 21. After her bank had identified the transactions, the bank initiated further chargebacks, without the OP's authorization, resulting in a very large number of them, and multiple fees.

While I am in no way suggesting that Inetbet is culpable in this affair, it seems unlikely that they will recover the fees for the reversals unless they either arrange a debt reduction or a payment plan, both of which are common for debt collection. They cannot legally enforce collection.

Sometimes a hasty action can snowball in a way we do not forsee.

Babs states this in her post

I posted a thread / post back in October about a few unauthorized deposits/wrong amounts with a casino so I did a chargeback on just the UNAUTHORIZED ones. The thing I didnt know , which is why everything is messed up and I feel bad about is this: Once you do a chargeback, even if just on one unauthorized charge, my bank went and reversed ALL deposits (dribbles and drabbles) at a time for the same processor.

if you go back that far the post cannot be found if I remember right she never said it was Inetbet I thought she said it was clubworld

she still did the chargebacks simple as that she stated 1st her bank did them then she said she did them then she blamed her hubby
ok Who did them

She owes the casino an yes I agree she is a addict an of course a Addict is gonna deny that they are cause they dont want to face it

she owes the money simple as that it in the long run is gonna hurt US USA players an to be honests Babs does not care 1 bit IMO

all Babs cares about is Babs

Cindy

 

[anniemac]

Let's look at this in a real way. You make a deposit to a casino. Money is put into the casino account (or whatever you are using to fund account). You expect your bank account to be lowered by that amount. If it does not appear instantly or within several days, you are responsible for finding out what happened. Your bank account would reflect that nothing had been paid . You would know within several days that something was not right. If you don't try to clear it up, then you are at fault. You know that you deposited that money and for it not to be deducted from your bank account is not money from heaven. I don't care who initiated the chargebacks, you know when you bank account is higher than it should be. Period.

And if Inetbet is charged the fees, then by all means, the fees should be passed on to the person at fault. Had this been addressed and cleared up with the first one that didn't clear, then the fees would not have been as high as they are and this mess would not be being talked about here.

 

[mercy]

all Babs cares about is Babs

That was really uncalled for. Do you know her? It seems that you have an agenda against her, always have.

Please keep your comments on topic, instead of the personal barbs

Please Miss Cindy

 

[jas2587]

That was really uncalled for. Do you know her? It seems that you have an agenda against her, always have.

Please keep your comments on topic, instead of the personal barbs

Please Miss Cindy

yeah ok
wish we could post more then 1000 charaters

 

[mercy]

Thanks Miss Cindy

Mercy xxoo

 

[Luigi810]

I called my girlfriend who works at a bank, she told me that they pull up the customers bank statement for the month and they go through each debit/credit withdraw one by one with the customer, then the customer has to sign next to each withdraw they are disputing..In a few days all the money disputed is put back into the customers account, BUT, a week or two later after their investigation the customer may see it didn't work in their favor and the money that was put back into their account is now owed back to the bank..
Now, in Babs defense, she may have done this not knowing about all the fees involved, and she could have been just disputing what she thought wasn't hers and it back fired...

 

[heatherad]

heatherad, I am sorry you took this general statement personally..it was not meant or said to any one person...just generally since so many felt it was the casinos duty to work with the player and not the other way around..hope this clears up that statement, didn't want you feeling that it was meant for you .... apologies if you thought this and my not wording it better

.

Its okay silcnayc, as I said before, we all read things wrong on the net and I am no exception to the rule. No apologies needed
I was wrong in assuming Inet was the source of the added fees until a few of us learnt otherwise and I did apologize to them in this thread for doing so.

 

[jod5413]

That was really uncalled for. Do you know her? It seems that you have an agenda against her, always have.

Please keep your comments on topic, instead of the personal barbs

Please Miss Cindy

Jas is entitled to her opinion as everyone else here is. Not everyone here falls for every sob story, or is fooled by BS.

On topic, a really bad thing was done, which hurts all other players in the long run. The offending party refuses to think she did anything wrong, and in fact is quite arrogant about her opinion on it. The story has been changed a number of times, and she has done nothing from the beginning of the thread but try to muddy the waters with her comments.

Inetbet and Casinomeister are also victims of Babs and her chargebacks. Inetbet is an accredited casino here and Bryan has to deal with one of his forum members creating financial problems for Inetbet. Not a good forum member, I don't think, no matter how "beloved" she is.

Babs needs to pay all the money she owes, including fines, and I certainly hope all other accredited casinos see what she did and plan to ban her. Including 3Dice. She is an addict. Period.

And, that is simply my opinion, Miss Mercy.

 

[catrina m]

The offending party refuses to think she did anything wrong, and in fact is quite arrogant about her opinion on it.

Inetbet and Casinomeister are also victims of Babs and her chargebacks. Inetbet is an accredited casino here and Bryan has to deal with one of his forum members creating financial problems for Inetbet. Not a good forum member, I don't think, no matter how "beloved" she is.

If I charged back several deposits to an accredited casino it would be hard for me to try and defend that action, especially here where we seem to know our way around the way things work.

The members here are very sharp. No dull tools in this shed.

Babs wanted loyalty for wrong doing to over write the action.

Thats just my honest opinion.

I loved to read her opinions until they broke the trust barrier.

If she is banned I can understand why, but if she remains no thanks from me will come her way.

Its too hard on the people who post here to open up to new comers without being leery of their intentions, and a loyal member shows us this?