Oh please, the OP looks like a very clued up gambler. If not from the licence seal than a 5-second Google search would have cleared it up.
Geez, we are not talking here about newbies. If he closed his account in 2013, he is not new to this.
I would venture to say that in the absolute majority of these SE cases people know exactly what they are doing and even do it on purpose to get a free ride.
IMO, the UKGC should put a stop to the refund policy and instead ask the casino operators to donate funds/winnings to a charity. The number of cases would drop instantly by 99.9%.