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Curacao has a new Complaints scheme. We look at The Good, The Bad, and The WTF

maxd

Forum & Complaints Team Lead
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Joined
Jan 20, 2004
Location
Pictland
Curaçao's new ADR scheme: The Good, The Bad, and The WTF.

About a month ago Curaçao Gaming Control Board (GCB) published a directive for how Curaçao-licensed casinos are to handle player complaints, effective immediately. In a nutshell this is the new law of the land:
  • Curaçao will certify ADRs.
  • Curaçao-licensed casinos must name at least one Certified ADR they will refer disputes to.
  • Curaçao-licensed casinos may only discuss player complaints with a Curaçao-certified ADR.
  • Casino operators are to shoulder the cost of the ADR's services.
  • All Certified ADRs must have at least one lawyer and three ADR specialists on staff.
  • Affiliates are explicitly blocked from being Certified ADRs.

On the surface of it this may look wonderful: Curaçao GCB proactively diving into the dysfunctional mosh pit that complaints against Curaçao-licensed casinos currently are with a spate of rules that will bring fairness and professionalism to all. In truth the GCB may be making things a whole lot worse for the very players they are supposedly trying to protect.

In the first place affiliates with highly experienced complaints resolution staff currently occupy a significant portion of the complaints resolution space: think Casinomeister, AskGamblers, CasinoGuru, LCB. As of this new ruling from the GCB all of those are rendered non-participants when it comes to helping Curaçao-licensed casino players get fair representation in their complaints. Each year that amounts to thousands of player cases and many millions of dollars returned to players. Wiping all of that off the table in one fell swoop seems very much as though the GCB has something else on its mind aside from helping players.

Secondly, since there are as yet no Curaçao-Certified ADRs -- there's only one currently in the process so there are no Certified ADRs at the date of this publication -- it's a not hard to see that the GCB has given its casinos carte blanc to ignore player complaints for the time being: they can't use a non-certified ADR and there are no certified-ADRs. Happy days for the casinos, not so much for players. We’re already seeing players being caught up in this Catch-22.

Next there's the "lawyer plus three specialists' requirement. As a counter example to that we at Casinomeister handle roughly 600 cases a year. There are one and a half of us doing that -- I'm the half because of my management duties at CM -- and none of us is a lawyer. I'm a certified ADR specialist and that seems to have been quite sufficient for roughly the past two decades. How can the GCB ignore the fact that small team like ours have, over the years, successfully handled roughly 10,000 player complaints and have seen close to $10M returned to players? Again, on paper their requirements may sound good but in practice it’s just an arbitrary requirement that ignores a lot of important real-world facts.

And finally there is the question of Curaçao-certified ADRs only. On the surface that looks like a wonderfully aggressive move to have oversight and hands-on control of the ADR scene. Unfortunately we have a very strong counter example to show what actually happens when a jurisdiction does this: Malta. Malta made very similar moves some years ago and enough water has passed under the bridge that it's fairly safe to make some good observations about how that's worked out.

At the top of the ADR foodchain are the proven professionals: IBAS, eCOGRA and ... nobody else really comes to mind. These guys are usually dedicated solely to providing ADR services: they know their stuff, have vast track records to prove it and are pretty much the best in the business.

Next comes the mid-level guys like us at CM, AskGamblers, etc who are in it largely from the early days as affiliates offering a service to players. We're pretty well-skilled on the Complaints scene because we've been at it for years and years and have shown that we bring a valued service to the player community.

And then, in the Malta example, there are a number of ADRs who are there only because Malta said they could be. Unfortunately most of those have little complaints-resolution experience, they often work very slowly, and the truth is that players have repeatedly reported them as being unfit for purpose: they simply wouldn't be able to cut it if it wasn't for the monopoly that Malta created for them. And now Curaçao has opted to replicate that model for themselves. If this proceeds as planned IBAS and eCOGRA are shoe-ins, if they are interested; the mid-level guys are affiliates so apparently they're out of the picture, and that leaves a big hole where one can easily forsee a new crop of monopoly-protected ADRs of low and poor quality popping up like mushrooms after a summer shower, player’s needs be damned.

All in all one gets the impression that Curaçao's new ADR regs are something that a local politician scribbled on a napkin over a business lunch with some casino execs: a lot of great sounding fluff and not much practical thinking behind it.

UPDATE: we’ve just received the following from a player taken from a recent letter he received from a Curaçao-licensed casino:
“… that the new Curaçao LOK (National Ordinance on Games of Chance) regulations have now formally introduced a six-month expiration period for player complaints. This means that a player
must submit a complaint within six months from the date of the event giving rise to the dispute."

FTR a 6-month expiry on player cases is inordinately short; industry standard is one year.
 
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Why do I feel this is a cover-up to protect their licensees from the constant raft of complaints - Curacao: "Come to us, we're cheap and you won't have those unwelcome and inconvenient disputes to deal with or ignore any more and all the negative publicity that comes with them. We'll provide you with our own vetted and very malleable ADRs too, just in case!"

Doubles all round! 🍷
 
l believe it when I see it. The only reason a company gets a Curaco licence is because they're too dodgy to get a real one. If the cryptoscum Curaco casinos have to start acting like a real casino they'll just find somewhere else to set up a fake regulator. South Sudan or Somalia seem nice.
 
Back in the day there was an argument to be made that one of the attractions of Curaçao was less meddling there than a licensee might be faced with elsewhere. For those free of a predisposition for larceny that meant lower taxes and the freedom to run their shop by house rules VS being told by some politically minded hack to do what was good for their next election cycle. Of course for the black hat types it just meant “I do my dirt and you keep your nose out of it”.

These days that old pitch has largely faded into insignificance. Curaçao aspires to be a serious and legitimate licensing jurisdiction — at least on paper — so them getting in and retooling things like the ADR side of things is not unexpected. The cack-handed approach they’ve taken though is something else again, especially given that a five minute conversation with anyone in the ADR space (who wasn’t being handed goodies under the table) would have helped steer them more or less in the right direction.

- Max
 
I still think it's a sop because they are starting to see business taken by Bootique or is it Tobique? Anjouan, Costa not a Lotta etc. so a pliant ADR offering alongside reduces hassle for their potential licensees.

I would love to see the awkward questions their licensees will be dodging very soon. Under the radar anyway as they won't be publicy available as with affiliate or gambling forums.
 
Just added a late-breaking bit of info regarding expiry dates on player complaints, see the UPDATE at the end of the original post.
 
Still convinced this is a way of reducing officially the number of complaints while not obliging the operators to observe higher standards that would genuinely lower the amount. :mad:
 
I still think it's a sop because they are starting to see business taken by Bootique or is it Tobique? Anjouan, Costa not a Lotta etc. so a pliant ADR offering alongside reduces hassle for their potential licensees.

I would love to see the awkward questions their licensees will be dodging very soon. Under the radar anyway as they won't be publicy available as with affiliate or gambling forums.
Aye, Tobique (New Brunswick's TEMU Kahnawake) is a trend i've also noticed and mentioned once or twice.

Forgive the layperson understanding, but I've always seen AskGamblers, CasinoGuru, Casinomeister et al. as as a step below proper proper ADRs. When I've had to fight for money at casinos I've always tried a third party intervention/complaint (AG,CG,CM) and if that fails then the pertinent ADR (eCOGRA, EADR, MADRE, PARDEE etc) and if that fails then the licencing body. The only affiliate site i've seen in the company of the big boy ADRs has been ThePogg (RIP, CasinoReviews now).

I hope this new directive doesn't give the casinos carte blanche to ignore player complaints from third parties. I hope if at the very minimum nothing changes and the casinos that do currently interact with third party complaints continue to do so to protect their reputations and ratings at these sites.
 
I hope this new directive doesn't give the casinos carte blanche to ignore player complaints from third parties. I hope if at the very minimum nothing changes and the casinos that do currently interact with third party complaints continue to do so to protect their reputations and ratings at these sites.
The GCB directive actually forbids licensees to interact with ADRs like CM. So alas it seems, that is wishful thinking.
 
… I hope this new directive doesn't give the casinos carte blanche to ignore player complaints from third parties. I hope if at the very minimum nothing changes and the casinos that do currently interact with third party complaints continue to do so to protect their reputations and ratings at these sites.

Can’t really argue with your perception of the Complaints space other than to say that I think IBAS and eCOGRA are in a very different league that some of those other “pertinent ADR” you mentioned. I’m sure the others are well-meaning but the reports we’ve received from players over the years paint a consistently bleak picture. IMO they’re the “Malta monopoly” ADRs and they remind me very much of a cartoon I once saw regarding a road sign on the drive into Canada’s capital city: “You are entering Ottawa, the nation’s capital. Please lower your expectations.”

ThePogg was an very different story, and I entirely agree: surely the high-water mark for affiliate ADR services.

As to the new directive, the CGCB’s document (section 4.3) —
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— makes it explicitly clear that affiliates cannot be certified ADRs and Curaçao-licensed casinos can only discuss player complaints with a certified ADR. Unless they roll-back on that, or soft pedal enforcement, then I’d say things are gonna change whether we or the players like it or not.

FWIW, the Legal department is looking into this to get whatever bottom line info they can. Suffice it to say that I’m not holding my breath.

- Max
 
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Hi,just read this is there any chance of me complaining and trying to get my winnings back of 3,700 pounds from kingdom casino.
 
Hi,just read this is there any chance of me complaining and trying to get my winnings back of 3,700 pounds from kingdom casino.
I'm not sure it even holds a useless Curacao license, and you have an infinitesimal chance of receiving your money, shouldn't be taking UK players, total scam:

AI Review summary of 270 persons:

Most reviewers were unhappy with their experience overall. People have voiced concerns about contacting the company and receiving refunds. A significant number of consumers report negative experiences, particularly regarding verification and withdrawal processes. Many claim that, despite successful verification, they face difficulties in receiving their winnings. Consumers report that they are asked for several documents. Some reviewers mention account closures, often citing breaches of terms and conditions without clear explanations. A few reviewers have also reported the company to the relevant regulatory bodies.

Even if it has a standing Curacao license, any complaints will go nowhere, they are as helpful as a brown cistern block.

Try and get your deposits back from your bank, but that's the best you can expect alas.
 
Ty for your reply
 
Is it really a bad thing that there used to be no ADRs at all, and now they’re starting to appear? It’s definitely better than nothing.

Besides, you can always find a lawyer in Curaçao to help recover your money. Of course, that’s a difficult route. But you can also, for example, use the SBGOK fund — zero cost.

That said, there are concerns that many of these ADRs could be corrupt.

By the way, the above-mentioned eCOGRA has repeatedly sided with operators and ignored player appeals. Interestingly, another ADR involved in the same cases (some operators have two ADRs under their license) often took the player’s side — and the casino would immediately announce that they would no longer cooperate through eCOGRA.

In my subjective opinion, there’s plenty of corruption in Malta as well.

By the way, has anyone been to Malta? In Valletta, especially around Old Bakery Street, it feels like every building is a law firm. Yet finding anyone there who represents players’ interests rather than the operators’ is a real quest.
 
A bit of an update and some good news regarding the new Curaçao ADR Rules:

We’ve received a legal opinion on the new rules and the bottom line is that they should NOT affect us or our ongoing dealings with Curaçao licensees.

To make a long story short there are two phases of a player issue with a casino: "Complaint" phase where the casino is still willing to discuss the issue, and "Dispute" phase where the casino has given a final decision and slammed the door on further discussions.

Obviously our PAB process is within the Complaint phase -- nothing happens if the casino won't talk to us -- and that phase is untouched by the new rules.

It seems it's only the Dispute phase that the new rules cover and we've never had any involvement there to begin with, so no change for us or others like us in the Complaints Resolution space.

🥳🕺🎉

- Max
 
Interesting thread, thanks for breaking this down.

I’ve been going through the new CGA documents on the complaints policy and ADR certification and a couple of details stood out to me:
– Curacao B2C licensees now have to contract with at least one CGA-certified ADR provider, and only those on the official list are allowed to handle disputes. The ADR team has to be at least three people, with a practising / former lawyer and people who actually understand betting / gaming operations.
– ADR providers can’t do affiliate or other B2B work for Curacao operators, which should reduce the “friendly mediator” problem we’ve seen in the past.
– Timelines are a lot stricter on paper: RG-related complaints should be dealt with within 5 business days, other complaints within 4–8 weeks, and ADR is supposed to wrap things up in 90 days. The operator pays all ADR costs.
– At the same time, operators are allowed to set “ADR parameters” like minimum claim values or whether the outcome is binding on the player, which feels like an obvious area for abuse if nobody’s watching closely.

On top of that, operators now have to send twice-yearly reports on player complaints and ADR cases to the CGA. If those stats ever became public it might finally give some visibility on how Curacao brands are actually handling disputes in practice.

Curious what people here think: do these changes move Curacao any closer to being a “grown-up” regulator, or is it just another round of paperwork that won’t change much on the player side?
 
– At the same time, operators are allowed to set “ADR parameters” like minimum claim values or whether the outcome is binding on the player, which feels like an obvious area for abuse if nobody’s watching closely.

Therein lies a potentially catastrophic flaw. The operator can rip off players up to a certain self-determined point. The can decide that the ADR is not subject from legal scrutiny regarding their decision. :rolleyes:
 
Well done brothers
Curacao should be banned for all of the scams they have not noticed which is done by their platform for years, they have not solved even a single complaint that was mailed to them....

We have suffered huge losss on playing on their rigged platforms....


They should be banned for all I know....

Months after months they have scammed us...

WE ALL SHOULD STOP PLAYING AT THEIR SCAMMING LISENCED SITES.....
 
Yes plz...

For more than 3 years this site named kv8 who has a LISENCE under Curacao
Scamms us by rigging the game
Their LISENCE number is
VB Digital NV. Our head office is located at 9 Abraham de Veerstraat in Curacao.

We operate under the watchful eye of the Curacao Gaming Commission. Our license number is GLH-OCCHKTW0712302019. We also hold a sub-license number 365/JAZ.



They rigged the game as I am showing a video as well



The conversation states as:
I have asked them about my transactions that I have done 26th of march till 26th of April

He has shown only deposit of 25000 approx

Then when I asked about withdraws that I have made they didn't show any coz I was not able to withdraw any amount for over 30 days straight....

They rigged the entire system...
They doesn't reply on showing this video that I took

When ever I am supposed to get something big they show some kind of a problem and kick us out of the game
Every time these sort of things happen

They do not have any explanation about the act

So they leave the conversation and go....

Please take huge actions against them....

Betjili and kv8
 
@Shohel


You said:

"For more than 3 years this site named kv8 who has a LISENCE under Curacao scammed us by rigging the game"

"When ever I am supposed to get something big they show some kind of a problem and kick us out of the game. Every time these sort of things happen"


I am not accusing you of lying, Shohel, but If what you claim has been happening for 3 years, why on earth would you continue to play there for so long?
 
We do not have best gaming sites on Bangladesh... I am sad to say that they provide transaction through e-wallet such as nagad, bkash....

The only reason to not have moved to other sites....

I would be grateful to you if you would be kind enough to point out some sites that supports my country and can make transactions through e-wallet bkash and nagad....
 
We do not have best gaming sites on Bangladesh... I am sad to say that they provide transaction through e-wallet such as nagad, bkash....

The only reason to not have moved to other sites....

I would be grateful to you if you would be kind enough to point out some sites that supports my country and can make transactions through e-wallet bkash and nagad....

Unfortunately, since I am in the UK, I do not know of any reputable casino that can also offer what you require.
Perhaps a trusted member of the forum here might read this and be able to provide some advice publicly on the forum, (I say publicly just incase by some small chance a scammer reads this and then tries to private message you in an attempt to send you to a dodgy casino).
 


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