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Third party deposits

Your sense of injustice is delusional, you cannot see the wood for the trees. Despite shallow acknowledgement in words, you clearly have no underlying sense of how disingenuously you are behaving.
Actually, you probably do. Which makes it even worse.

So far:

1. You say you are a PG, you used someone else's account (making them complicit in the deception because according to you you didn't open it) to gamble with to circumvent Gamstop blocks or exclusions whatever.

2. For a while you satiated your desire to gamble and were paid withdrawals even, probably got ahead at some point too hence the length of your activity.

3. The inevitable occurs, you get a few thousand in the hole overall eventually. This stings, you curse yourself for your reckless behaviour. Gambler's remorse 100% proof. But hang on....

4....if I now admit to them because I'm behind that I have dishonestly manipulated a third-party account in order to use their services, I have them over the barrel under so-and-so clause and can tell them they're in the wrong as well, hopefully getting my losses refunded! Gambling without the gamble!

5. Casino bins the account as you would expect. Loving sister apologizes for her willing part in assisting you, her PG brother, to gamble recklessly and end up 3k or so down.

6. Tale of woe appears on gambling forums, told to people who actually do gamble within the rules and don't get the chance for a losses refund when they lose.

7. Alas, not all swallow your 'casino's fault' narrative.

All I can say is that if IBAS or the UKGC did investigate your 'case' and rule in your favour (using provable facts, dates, IPs, times and activity rather than the version of things you drip feed here as more questions are asked!) then some of us would wonder if there's any point in operators servicing the UK market at all.

I don't wish you any ill and hope you sort your gambling issues, I really do. Especially this time of year. But I really cannot understand any fair-minded balanced person endorsing your behaviour. It's not right, you know it too.
I hear what you’re saying, and I’m not going to trade character judgments or motives back and forth — that doesn’t really help anyone, and it’s not what ADRs or regulators assess anyway.
What I will say is this: I’ve never claimed to be blameless, and I’ve never suggested my behaviour was “right”. I’ve acknowledged repeatedly that mistakes were made and that the situation shouldn’t have happened. That part isn’t in dispute.
Where we differ is that you’re framing this entirely as a moral narrative about remorse and intent, whereas the process I’m engaging with is a regulatory and procedural one. Those bodies don’t decide cases based on whether someone behaved impeccably or deserved sympathy — they look at facts, timelines, controls, and compliance.
The complaint is not “I lost money gambling, please refund me”. It is:
third-party deposits were accepted repeatedly,
no preventative action was taken,
the operator only acted once informed,
and those deposits were accepted contrary to their own rules and licence obligations.
Whether people on a forum personally approve of my behaviour is neither here nor there. UK gambling regulation is deliberately structured so that operator duties don’t disappear because a customer acted badly, otherwise those duties would be meaningless.
If an ADR or the regulator decides the operator complied fully and no redress is appropriate, then so be it — that’s how the system is meant to work. If they decide there was a failure of controls, that doesn’t “reward” bad behaviour; it enforces standards on licensed operators.
I appreciate the good wishes regarding gambling issues, and I mean that genuinely. But disagreeing with the argument doesn’t require assuming bad faith, delusion, or some hidden scheme. It’s a disagreement about where regulatory responsibility sits — nothing more, nothing less. On top of that I do respect your input and I hope you have a good one fella.
 
If I was the casino I would refer the matter to the Police.
I understand why you might feel that way personally, but that isn’t how these situations are handled in practice, and it’s important to separate instinct from process.
UK gambling operators deal with cases like this through internal controls, account closure, voiding of balances, refusal of withdrawals, and ADR/regulatory reporting. They do not routinely refer matters to the police unless there is clear evidence of criminality — such as stolen funds, forged documents, money laundering, or a third-party financial victim.
None of that applies here. The funds were mine, the losses were mine, and the issue being examined is whether the operator complied with its licence obligations around third-party payments and monitoring. That is squarely a civil and regulatory matter, which is exactly why ADR schemes like IBAS exist.
If operators referred every breach of terms or KYC failure to the police, the system would grind to a halt — and ADR, complaints procedures, and regulatory enforcement would be redundant. That simply isn’t how the UK framework works.
You’re entitled to your view, but in reality these matters are resolved by:
account action,
complaint outcomes,
ADR decisions,
and, where relevant, regulatory scrutiny —
not criminal referrals.
 
The reason that very few, if any cases of this nature, go in favour of the player, is because it opens the can of worms. How many cases, current or retrospective, would need to be investigated?

I’m not saying that makes it right, but you’d have to be naive to think that these “organising bodies” don’t do everything to protect Casinos rather than the players.

It would be interesting and probably absolutely mind blowing to know how much these Casinos make by turning a blind eye. I’ve seen fines running into the millions, for compliance failures.

You can’t tell me for a second that these Casinos aren’t aware of the likely repercussions if their failings come to light. Therefore, one can only assume the rewards outweigh the risks. Truth be known the whole industry is very probably, corrupt to the core.
 
I understand why you might feel that way personally, but that isn’t how these situations are handled in practice, and it’s important to separate instinct from process.
UK gambling operators deal with cases like this through internal controls, account closure, voiding of balances, refusal of withdrawals, and ADR/regulatory reporting. They do not routinely refer matters to the police unless there is clear evidence of criminality — such as stolen funds, forged documents, money laundering, or a third-party financial victim.
None of that applies here. The funds were mine, the losses were mine, and the issue being examined is whether the operator complied with its licence obligations around third-party payments and monitoring. That is squarely a civil and regulatory matter, which is exactly why ADR schemes like IBAS exist.
If operators referred every breach of terms or KYC failure to the police, the system would grind to a halt — and ADR, complaints procedures, and regulatory enforcement would be redundant. That simply isn’t how the UK framework works.
You’re entitled to your view, but in reality these matters are resolved by:
account action,
complaint outcomes,
ADR decisions,
and, where relevant, regulatory scrutiny —
not criminal referrals.
If you say so.

Trying to get a refund under these circumstances could also be categorised as attempted fraud. You seem to be trying to game the system.
 
The reason that very few, if any cases of this nature, go in favour of the player, is because it opens the can of worms. How many cases, current or retrospective, would need to be investigated?

I’m not saying that makes it right, but you’d have to be naive to think that these “organising bodies” don’t do everything to protect Casinos rather than the players.

It would be interesting and probably absolutely mind blowing to know how much these Casinos make by turning a blind eye. I’ve seen fines running into the millions, for compliance failures.

You can’t tell me for a second that these Casinos aren’t aware of the likely repercussions if their failings come to light. Therefore, one can only assume the rewards outweigh the risks. Truth be known the whole industry is very probably, corrupt to the core.
In hindsight you're absolutely correct but then it's also people like myself who fall into the trap and be that compulsive gambler and to be honest I have no issue with everybody's view on this forum and to anybody that can control there gambling and don't spend beyond there means then I fully take my hat off to you as realistically gambling should be for fun and only that as casinos keep reiterating but deep down they know the biggest problem is it grips people and years ago I was vip with Paddy power I had my own assistant from them that used to reward me every Monday and they knew full well I was a problem gambler but for some reason I used to make sure I wagered the right amount in order for her to be able to reward me on the Monday knowing full well I was always at a loss it's sad it really is but everyone's opinion is always based on its the gamblers problem which to a degree I do accept and respect but if I could go back to when I never even laid eyes on a bookies I would take that in a heart beat but when it grips you to the point you would bet on things you don't even have a clue about then that's when you know you're knackered. It's easy to say if I won 100k or whatever I would just stake bigger as it's the addiction it's not the aim to become a millionaire or whatever it is actually the sole focus on placing bets and watching and waiting for results it really is a mugs game if you can't control it and I have been a member of gamstop since 2021 I was doing so well and yeah it's wrong to find a way around it and start gambling again and is also wrong to use my sisters account but it really is a concern when they don't flag it up in 6 months not any intervention whatsoever I tried to raise a charge back which was stupid to do that was in August it was rejected by betvictor and then I added another card and continued to gamble I never won big I withdrawn 1k once and then £500 and £400 without question but they got it back straight away anyway as they was always going to especially becoming that addict again but my sole argument has been why have they never flagged it up that it's been a third party card it's mind boggling and I can understand a one off but that length of time, potential charge back that they rejected and still no customer verification or intervention.
 
If you say so.

Trying to get a refund under these circumstances could also be categorised as attempted fraud. You seem to be trying to game the system.
I know so I have read into it fully and legally hence why the complaints have been made.

I’m not arguing that my behaviour was acceptable. I’m saying that problem gambling is specifically something operators are required to recognise and act on, precisely because customers don’t always stop themselves. That’s the whole rationale behind safer gambling and payment controls.
So the issue isn’t “they’re blameless and I’m not” or vice versa. It’s whether a licensed operator fulfilled its obligations at the time, rather than only acting once the issue was pointed out to them.
That’s the question being raised — nothing more, nothing less.
 
Good luck with disputing the payments. I think your chances of success are slim.
I think so too in all fairness as there's always only one winner and who knows maybe one day they would actually put proper measures in place so people like myself cannot bypass those measures.
 
Anyway people I do appreciate all of your input and sorry if it's offended anybody who actually plays via the rules and only treat gambling as a source of fun rather than compulsive behavior and on that note a bloody Merry Christmas and I hope you have a lovely day 😊
 
Anyway people I do appreciate all of your input and sorry if it's offended anybody who actually plays via the rules and only treat gambling as a source of fun rather than compulsive behavior and on that note a bloody Merry Christmas and I hope you have a lovely day 😊
Merry Xmas to you too. I do see both sides here and you do have a valid point. You have acted inappropriately, but only inline with what thousands (even millions) of compulsive gamblers will have done.

If the sole purpose here, is to highlight their failure to comply with the rules, then from what you’ve told us, I don’t think it can be denied.

P.S. Fair play to you for keeping your posts civil. That can be difficult when you’re trying to get something across that you feel strongly about. The fact that you typed so many words basically repeating the same point without losing it, is commendable.
 

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