Hi so basically yes I've got a gambling problem and yes I know I should seek help ect so I'm fully aware of that however my question is. I was able to deposit thousands into my sisters account with my own bank card over a period of 6 months with two bank cards in my name without them questioning it and eventually I have told them so they have now closed my sisters account and of course it's against there rules ect. Is there any way of getting that money back as if it's prohibited then surely the deposits should be classed as void and currently I'm in a complaint with betvictors as I believe there systems shouldn't of allowed it for that length of time and it's currently gone to the stage 2 management complaints seeking internal settlement or hopefully adr as worse case scenario that's if adr will see any wrongdoing from bet victors side which I do feel they could have stopped it and even a few months back in tried to raise a bank charge back which betvictor was aware of and still didn't realize the card holder was not the account holders details and I was able to continue and add another card in my name and keep depositing and some withdrawals without question.
Third party deposits
- Thread starter clarky108
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Hi @clarky108
First things first, if you know you have a gambling problem then you should really be going and seeking some help. We have a quit gambling section in the forum which you can be part of. There is advice and also you will be removed from any promotions the best we can.
So I wrote a thread on the subject of depositing in someone else's account recently. There is not a great deal of recourse for you I am afraid. However, there are a couple of things you might be able to do.
1. Complain to your bank: Explain the situation clearly to them. That it breaks the terms of the casino to deposit with someone else's card. It's a real long shot, but there might be a glimmer of hope here.
2. Assuming this is a UKGC licensed casino, you can make a
3. It is closed at present, but when our PAB service reopens 5th Jan 2026, then you could consider submitting a complaint and seeing where it goes. Limited potential here, but something may come of it.
Best of luck, I am afraid to say that I can't offer you much hope. This comes up time and again and players are getting clobbered everytime.
First things first, if you know you have a gambling problem then you should really be going and seeking some help. We have a quit gambling section in the forum which you can be part of. There is advice and also you will be removed from any promotions the best we can.
So I wrote a thread on the subject of depositing in someone else's account recently. There is not a great deal of recourse for you I am afraid. However, there are a couple of things you might be able to do.
1. Complain to your bank: Explain the situation clearly to them. That it breaks the terms of the casino to deposit with someone else's card. It's a real long shot, but there might be a glimmer of hope here.
2. Assuming this is a UKGC licensed casino, you can make a
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. This will likely be a long protracted process, that would take several months to conclude. But this might actually be your best hope.3. It is closed at present, but when our PAB service reopens 5th Jan 2026, then you could consider submitting a complaint and seeing where it goes. Limited potential here, but something may come of it.
Best of luck, I am afraid to say that I can't offer you much hope. This comes up time and again and players are getting clobbered everytime.
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What a well scripted and put post and I fully appreciate every input you have put in there and yeah you're fully right but sadly a gambling addiction is horrible and I was doing so well for years only to find I was able to use my sisters account with my own card I just don't get why they allow it to happen as surely it should have flagged up months ago but noni was able to deposit and lose a lot as usual and they say it's against there policies to use third party cards so surely they should void those deposits as they would use that as an excuse to pay any winnings if they became known it to knowing it was a third party card which still baffles me as it's in my name and I have to confirm it with my bank ect when I was depositing. I have raised it with ibas after receiving a deadlock response from the betting company but not sure they'll do anything as my argument is they should have noticed at some point and then they could have stopped it themselves as it's harder for a gambler to stop it but if they stopped it then it would have helped the situation I believe as there's no loophole then. What's the pab are they any good? I have tried to reason with the bookmaker and come to some settlement but they was having none of it just full blame on me which I do fully get but there system should have flagged it.
- Joined
- May 22, 2012
The bottom line here is that you got the goods/services you paid for with your card then you retrospectively try and get a refund.
Many people in your position try and game the system, because as you say, the casino would notice when you tried to cash out if you had won. But you didn't win. If you had have won, your complaint would be different, i.e. "They allowed use of the card therefore I should be paid out."
The principle here is the same as the KYC one, where people ask why don't the casinos do all the checks before the player deposits and wins? The answer is that there would be a lot of time and costs involved for the casino to do this for people joining up who may never end up playing there or withdrawing anything.
I can see here the irrational mindset of the problem gambler; you know underneath you cannot win either way because you'll gamble until bust, or likely not get paid if you didn't.
To get a refund from your card company you need to either claim it was used fraudulently by a third party and you don't recognize the transactions (you obviously cannot) or you haven't been provided with the goods/services you paid for (you have).
So in this case you would be acting dishonestly.
You do see chargebacks being mentioned often on here, but this is in cases where the depositor has made payments to known fraudulent and illegal sites and often the transactions are spoofed as clothing purchases for example to evade credit card rules in the UK concerning gambling. These are justified because the people concerned are effectively victims of fraud and other crime.
I can empathise with your gambler's remorse here, but I'm sure you can see that it would unacceptable for the casino to provide you no-lose gambling whereby if you win you might get paid (if they didn't notice the breach of rules you perpetrated), if you didn't get paid after winning because they noticed you'd then get the transactions voided with money back and finally if you lost you'd still get the deposits back by claiming your deposits shouldn't have been allowed if the first place! You've got to take FULL responsibility here my friend.
I fully take on board everything you say and you're absolutely right in all circumstances as you mentioned!
I have drafted this for the bank to see what they say.
These transactions were accepted by the merchant into a gambling account that was not held in my name. I was not the account holder. At the time the transactions were processed, the merchant failed to identify, question, or prevent this, despite the fact that their own published terms and conditions explicitly prohibit third-party deposits. Only recently, when the issue was brought to the company’s attention, they closed the account and provided written confirmation that third-party transactions are not permitted under their policies. This confirms that the deposits should never have been accepted in the first place. The basis of my dispute is therefore merchant error and breach of contract, not buyer’s remorse or gambling losses. The merchant accepted funds contrary to their own rules, meaning the service was misapplied and improperly provided. Had the merchant followed its own policies, these transactions would have been declined and the losses would not have occurred. I am requesting a chargeback on the grounds that: The merchant failed to follow its own terms and conditions Payments were accepted into an account they should not have allowed The transactions were therefore misrepresented and improperly processed
I have drafted this for the bank to see what they say.
These transactions were accepted by the merchant into a gambling account that was not held in my name. I was not the account holder. At the time the transactions were processed, the merchant failed to identify, question, or prevent this, despite the fact that their own published terms and conditions explicitly prohibit third-party deposits. Only recently, when the issue was brought to the company’s attention, they closed the account and provided written confirmation that third-party transactions are not permitted under their policies. This confirms that the deposits should never have been accepted in the first place. The basis of my dispute is therefore merchant error and breach of contract, not buyer’s remorse or gambling losses. The merchant accepted funds contrary to their own rules, meaning the service was misapplied and improperly provided. Had the merchant followed its own policies, these transactions would have been declined and the losses would not have occurred. I am requesting a chargeback on the grounds that: The merchant failed to follow its own terms and conditions Payments were accepted into an account they should not have allowed The transactions were therefore misrepresented and improperly processed
- Joined
- May 12, 2024
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- Yorkshire
Whilst your above message reads well, I would be amazed if the bank falls for it, so to speak.
The goods/services have been received, I cannot see how the bank will refund anything.
On the other side of the coin, you broke the casinos Ts and Cs, so why would you be liable for a refund of deposits?
It reads as if you are gamstopped and have tried to circumvent the ban by using third party details.
Appreciate its not the news you want to hear, but I wish you all the best.
The goods/services have been received, I cannot see how the bank will refund anything.
On the other side of the coin, you broke the casinos Ts and Cs, so why would you be liable for a refund of deposits?
It reads as if you are gamstopped and have tried to circumvent the ban by using third party details.
Appreciate its not the news you want to hear, but I wish you all the best.
- Joined
- Feb 10, 2012
- Location
- UK
If operators have terms that you can't play with someone else's card then it is my opinion that they should be putting measures in place to prevent these situations from happening. We can put a man on the moon (over 50 years ago), but we can't somehow prevent someone depositing at a casino with their partners card, give me a break!
You never mentioned if it was a UK licensed casino and you have not mentioned what sorts of sums of money have been lost, but I am imagining it is enough to make you want to chase it. All I know if the UKGC take matters related to problem gambling seriously.
The PAB service at Casinomeister is very good, but it is currently closed whilst the team take a well-earned break. If you do raise a case in the New Year then all they will likely reach out to the operator on your behalf. If you have already been turned away then it will likely be the same outcome.
Unfortunately, there are very few options for recourse on this matter.
You never mentioned if it was a UK licensed casino and you have not mentioned what sorts of sums of money have been lost, but I am imagining it is enough to make you want to chase it. All I know if the UKGC take matters related to problem gambling seriously.
The PAB service at Casinomeister is very good, but it is currently closed whilst the team take a well-earned break. If you do raise a case in the New Year then all they will likely reach out to the operator on your behalf. If you have already been turned away then it will likely be the same outcome.
Unfortunately, there are very few options for recourse on this matter.
- Joined
- Aug 22, 2017
- Location
- England
If it’s bet victor you would have thought that electronic verification would have prevented this??
One things for sure tho, if you’d won you wouldn’t have got paid!! The question being tho is would they have returned the deposits??
One things for sure tho, if you’d won you wouldn’t have got paid!! The question being tho is would they have returned the deposits??
- Joined
- May 12, 2024
- Location
- Yorkshire
The electronic verification will have verified the account, but not the card details linked to it.
They might have got paid, depends on the sums involved, but putting that aside, the OP was just potentially freerolling himself.
hubbadubbadingdong
Experienced Member
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- Feb 4, 2022
- Location
- vancouver
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Because they also broke there own terms and conditions by accepting third party deposits for a good length of time without ever questioning in or making any verification checks as to why the card holder is different to the account holder. It wasn't a one off it was constant deposits so if they're going to have that as a rule then they have to enforce it and act on the account activity and they didn't.
Sorry yes it was betvictor and the sums of total deposits are around £5900 and withdrawals of around £2100 and yes I do wish they had systems in place to stop this as it's too easy to just do it and sadly a bad gambler will try it and in my case of course succeeded but in hindsight I really wish I didn't succeed.
- Joined
- Jan 12, 2018
- Location
- Uk
So you managed to withdraw money as well…..On the same card, I imagine?
Yes mate they allowed withdrawals too without any issue of course eventually you will always lose so I reached out to them to explain what there system has been allowing me to do
- Joined
- Jan 12, 2018
- Location
- Uk
So, hypothetically, the 64,000 dollar question is……If you’d been lucky enough to win 10k, would you have made them aware of the situation? Or, was highlighting the issue, a safety net, when you lost?
Clearly not. If I won 10k I'd give them 20k back there's no winners in gambling unfortunately. The way it grips you and turns you into a compulsive gambler an then you get firms that make these rules up but are quite happy to accept deposits via third party it shouldn't be allowed
- Joined
- Jan 12, 2018
- Location
- Uk
I do empathise with you, but the fact that you knowingly broke their t’s and c’s, makes you, as guilty as they are. Perhaps more so, as without your instigation, the issue doesn’t arise.
Correct but then as a company who knows problem gamblers will find ways to gamble there's in a better position to put methods in place to stop these things from happening.
1. UK rules: third-party deposits are not allowed
Under the UK Gambling Commission Licence Conditions and Codes of Practice (LCCP):
Gambling operators must not accept third-party funding
Deposits must come from a payment method in the account holder’s own name
Operators must have effective systems and controls to:
prevent third-party deposits, and
identify and stop them when they occur
This isn’t optional or “best practice” — it’s a licensing requirement.
2. When the gambling company is at fault
A gambling company can be held responsible where:
✔ Repeated third-party deposits were accepted
One-off errors are treated differently.
Months of deposits = system failure, not customer error alone.
✔ The card or bank account name did not match the account holder
If the operator accepted funds knowing (or where they reasonably should have known) the names didn’t match, that is a procedural breach.
✔ No intervention, questioning, or suspension occurred
Failure to:
request proof of ownership,
block the payment method, or
freeze the account
shows lack of adequate controls.
✔ The operator only acted after being told
Closing or blocking the account after notification does not cure the earlier breach.
3. Where responsibility can be shared
Yes — the depositor can bear some responsibility, particularly if they knowingly:
used someone else’s gambling account,
bypassed controls (e.g. GAMSTOP / Gamban),
breached the operator’s terms.
However, shared responsibility does not remove the operator’s regulatory duties.
UK adjudicators (including IBAS) often assess:
who was best placed to prevent the breach
whether the operator profited from a rule violation they failed to stop
Repeated acceptance shifts weight towards operator fault.
4. Can operators keep the losses?
This is the key dispute point.
Where an operator:
breached LCCP by accepting third-party funds, and
benefited financially from those deposits,
there is a strong argument that:
they should not retain the benefit of an unlawful process, and
full or partial redress (net-zeroing) is appropriate.
This is not about “winning back gambling losses” —
it’s about money accepted via a prohibited payment method.
5. What IBAS usually looks at
IBAS focuses on:
pattern and duration of the third-party deposits
whether internal controls failed
timing of the operator’s intervention
whether the operator enforced rules only after losses occurred
The longer the period and the higher the volume,
the weaker the operator’s defence become
- Joined
- Jan 12, 2018
- Location
- Uk
I do see your point regarding the rules. I’m just wondering if there is some key information missing?
Your sister obviously had a card in her name, linked to the account…..Yes?
When your winnings were withdrawn, was it to the card in your name, or your sister’s card?
Your sister obviously had a card in her name, linked to the account…..Yes?
When your winnings were withdrawn, was it to the card in your name, or your sister’s card?
- Joined
- Jan 12, 2018
- Location
- Uk
Okay, without going around in circles or asking very direct questions, there could be a few explanations, as far as I can see.
This was there response and one of my arguments was that I tried to raise a charge back in August with my tsb account which they did email about and nobody responded to them and then after that I added my rbs and still was able to keep depositing for months with constant 24/7 game time withdrawing and then depositing straight back again with large amounts with no checks from them so to me they could have seen the third party card user when I raised a charge back but didn't and even still to let me add another card in my name and to still be allowed to do it.
Hello,
Thank you for contacting BetVictor regarding deposits and disputes.
My name is Xiao, I am dealing with your complaint as per Step 1 in our complaints process.
When you registered, you agreed to our Terms and Conditions, which include the requirement that any payment method added to your account must belong to you and that you are the owner of the account being deposited into.
Please note that using third party deposit is a breach of our Terms and Conditions, specifically Section 10.5.
10.5. You are only permitted to use payment methods of which you are the account holder. You are not permitted to use any payment method belonging to a third party (e.g. you cannot use a family member’s debit card to make deposits to your accounts). Your deposits must be made from a personal account and not from any company or corporate account. If you make deposits from payment methods, you are not entitled to use (e.g. if you are not the account holder), we may treat that deposit as invalid (and any winnings arising from that deposit will be voided). This means that you would not be entitled to any winnings on a bet placed with those deposits.
With regard to the disputes, upon becoming aware of them we issued correspondence on 4 September 2025 seeking clarification as to their precise nature. The email thread, identified as 1397126, contains the following content:
"We are writing regarding the recent chargeback dispute concerning deposits made to your account.
If this chargeback was initiated in error or due to a misunderstanding, we kindly request that you cancel it and reach out to us directly so we can work together to resolve the matter promptly. However, if the chargeback was intentional, please provide us with the reason for this action within 48 hours of receiving this email."
Following a review of your account activity, we have made the decision to close your account in line with our Terms and Conditions.
As a result of this closure:
Hello,
Thank you for contacting BetVictor regarding deposits and disputes.
My name is Xiao, I am dealing with your complaint as per Step 1 in our complaints process.
When you registered, you agreed to our Terms and Conditions, which include the requirement that any payment method added to your account must belong to you and that you are the owner of the account being deposited into.
Please note that using third party deposit is a breach of our Terms and Conditions, specifically Section 10.5.
10.5. You are only permitted to use payment methods of which you are the account holder. You are not permitted to use any payment method belonging to a third party (e.g. you cannot use a family member’s debit card to make deposits to your accounts). Your deposits must be made from a personal account and not from any company or corporate account. If you make deposits from payment methods, you are not entitled to use (e.g. if you are not the account holder), we may treat that deposit as invalid (and any winnings arising from that deposit will be voided). This means that you would not be entitled to any winnings on a bet placed with those deposits.
With regard to the disputes, upon becoming aware of them we issued correspondence on 4 September 2025 seeking clarification as to their precise nature. The email thread, identified as 1397126, contains the following content:
"We are writing regarding the recent chargeback dispute concerning deposits made to your account.
If this chargeback was initiated in error or due to a misunderstanding, we kindly request that you cancel it and reach out to us directly so we can work together to resolve the matter promptly. However, if the chargeback was intentional, please provide us with the reason for this action within 48 hours of receiving this email."
Following a review of your account activity, we have made the decision to close your account in line with our Terms and Conditions.
As a result of this closure:
- All account activity is now restricted, including deposits, withdrawals, betting, and gaming.
- No deposits, bonuses or pending winnings will be credited.
paul7388
Paleo Meister (means really, really old)
- Joined
- Jan 8, 2014
- Location
- glasgow scotland
Just thought I'd mention you seem really clued up about why the casino should refund your deposits.
Fair enough. But I'd not keep up pushing the bank for charge backs. In fact banks actually take it serious when someone regularly deposits money into a site that is not in their name. It flags up to the bank as potential fraud or money laundering.
Fair enough. But I'd not keep up pushing the bank for charge backs. In fact banks actually take it serious when someone regularly deposits money into a site that is not in their name. It flags up to the bank as potential fraud or money laundering.
- Joined
- May 22, 2012
Wow, you've gone to great lengths here to justify why the casino should give you your losses back, we all know that had you won you wouldn't refund the casino theirs...
You've quoted chapter and verse here but the thing is, this could be more involved than you suggest. You could have the same address, surname, first initial etc. In these type of threads we seldom get the full story.
Have you done this before elsewhere and got away with it, or tried it and been spotted pre-deposit? You deliberately used someone else's name to fraudulently open a gambling account, whether it was with their consent or not, I mean your sister must know you are a PG so why would she assist you in getting into more debt?
It sounds a bit lame to hide behind the fact that PGs are sly, inventive and determined when it comes to getting their fix and therefore everything should be foolproof, as some kind of argument for a refund.
I think this all sounds very entitled and it's actions like that which makes KYC, withdrawals etc. such a pain for other people sometimes.
paul7388
Paleo Meister (means really, really old)
- Joined
- Jan 8, 2014
- Location
- glasgow scotland
Hope it works out for you. But like I said you are also breaking all your banks terms.
Nope not exactly not the same name or initials and not the same address if that makes you happy. Whether I've won or not they'd still end up with it and stick up for gambling sites all you want it doesn't justify the facts that they have allowed third party transactions for 6 months via two cards that are not in the account holders names and the legal terms state that they are part of the fault aswel as they should have recognized at some point.. Also when it's in the terms and conditions yes a customer should abide by them but also the gambling company has breached the gambling commissions terms and conditions. You can't argue with facts whether I did wrong or not which I know I did but if rules are going to be in place then checks should also be made.
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- Joined
- May 12, 2024
- Location
- Yorkshire
Takes two to tango. I think the outcome will be both parties walk away from this.
If they bank grants the chargeback id count your lucky stars.
Both parties done wrong - good luck
If they bank grants the chargeback id count your lucky stars.
Both parties done wrong - good luck
Absolutely bud, more so the gambling companies are obliged to follow the gambling commissions terms and in this case shows they haven't whether I've broken rules or not they shouldn't have been allowed to be broken for that length of time and thank you.
- Joined
- May 12, 2024
- Location
- Yorkshire
Id get Christmas and new year out of the way and enjoy yourself, then pursue this after if thats what you want to do.
All the best.
- Joined
- May 22, 2012
You instigated the whole affair. Not the casino. You also fail to mention whether it was your sister's original account (which as I said above seems odd if it was and then she'd let you, her brother a PG, get into a worse mess) or you opened an account using her details. If she let you knowingly use her account, the casino could argue conspiracy and you'd be blown out of the water regarding your argument. Opened it yourself using her details, you are a fraudster in their view.
The main reason for the rules you quoted is to prevent money laundering, i.e. any person being able to wash funds through a third-party account to legitimize them. Secondly, to prevent PGs using stolen or fraudulent payment methods to fund their accounts.
They did recognize something was amiss, and closed the account and your argument seems to centre about whether they did this within a reasonable timeframe or not. You were only too happy to carry on using the account to basically gamble under fraudulent details, you then starting complaining once you couldn't gamble any more using the account in question, then of course wanted you losses refunded.
There was a thread not unlike this one not long ago, when the OP would use any argument as long as it did not involve taking full responsibility for the situation they created for themselves. I am not on the side of the casino at all, far from it - just not on your side.
I don't particularly like insurance companies, but people who make spurious claims to them make matters worse for everyone else.
Perhaps face up to what you have done and call it quits? You will then have also got away with being a bit, erm.. 'naughty' yourself.....
You too fella have a good one
You're actually very much incorrect as they didn't noticed anything it was myself who made them aware eventually and explained to them I've been struggling and as far as being naughty is also incorrect as it's only myself who has lost money not the gambling operator so again very wrongly put opinion but of course it's your opinion but is not factual in any way. It's a very good argument if third party payments are prohibited then those third party payments shouldn't stand, yes gambling operators have there own rules inplace but they shouldn't only enforce them when problems arise as if that's the case then all deposits should be made void barring any winnings and then accounts put to net zero and as far as kyc is concerned it's not because of problem gamblers it's so gambling operators can't exploit vulnerable people as they have a duty of care and should obliged by that and in this case there was clearly problem gambling and I'm not doubting that one bit that I did wrong I will happily admit it was wrong but in all honesty it's happened and I will continue to argue that they shouldn't have let it happen even if everything was in my name they still had a duty to make sure that the to customer is gambling within there means and they didn't once intervene.
I’m not disputing that I made mistakes — I’ve openly acknowledged that from the outset and I’m not trying to rewrite history or dodge responsibility. What I am disputing is the idea that this automatically absolves the operator of their own regulatory failures.
The key point you’re overlooking is this: UK-licensed operators are not permitted to accept third-party payments at all, and they are required to have systems in place to prevent, detect and stop them, not merely react once the damage is done.
In this case, the operator:
accepted third-party deposits over an extended period,
did not intervene, question the source of funds, or block the payment method,
only acted after I myself disclosed the issue.
That isn’t a question of “reasonable timeframe” — it’s a question of whether effective controls existed in the first place. Repeated acceptance over months is not a one-off oversight; it’s a systemic failure.
You’re also incorrect in suggesting this centres purely on AML. The Gambling Commission has been very clear that third-party payment prohibitions also exist to:
prevent circumvention of safeguards,
protect vulnerable customers,
and stop operators profiting from activity they should never have facilitated.
On the point about intent: there was no money laundering, no stolen funds, and no third-party gain. The only party that financially benefited from this situation was the operator, who continued to accept deposits that — by their own rules and licence conditions — should not have been accepted.
I’m also not asking for a blanket refund because “I lost money gambling”. The argument is much narrower and more principled than that:
> money accepted via a prohibited payment method should not stand, particularly where the operator failed to act despite repeated opportunities to do so.
Admitting personal fault does not cancel out an operator’s non-delegable regulatory duties. UK gambling regulation is built precisely on the idea that operators cannot rely on customer wrongdoing as a defence when their own controls fail.
People can disagree with that position — that’s fine — but it’s not spurious, and it’s not avoidance of responsibility. It’s a legitimate regulatory argument that adjudicators consider routinely.
I’m pursuing it calmly and through the proper channels, and I’m comfortable standing by it.
- Joined
- Jan 12, 2018
- Location
- Uk
One possible outcome. They are made to refund your deposits and you get to spend a bit of time behind bars. Slippery slope.
That’s not a realistic outcome, and it’s worth separating rhetoric from how things actually work.
Disputes about third-party deposits and operator controls are routinely handled through complaints processes, ADRs, and the regulator. They are civil and regulatory matters, not criminal prosecutions. Operators don’t refer customers to the police for historic payment-method breaches where there’s no laundering, no deception for gain, and no third-party loss.
If what you’re suggesting were true, then every case where an operator voids bets, confiscates winnings, or returns funds after a KYC failure would automatically trigger criminal proceedings — which plainly doesn’t happen.
The only question being examined is whether a licensed operator complied with its own rules and licence conditions when accepting deposits. That’s it. Escalating that into “prison” talk doesn’t reflect how UK gambling disputes are actually resolved.
I think that you are missing the point that what you were doing was basically fraud, you deposited on an account that wasnt your own and made some withdrawals so thats fraud is it not?
Why did you tell them that it was your card but not your account? Had you had a bad session or had you decided that as they hadnt spotted the third party deposits you would open their eyes to it so you could cry foul and try and claim a refund on all previous deposits?
Why did you tell them that it was your card but not your account? Had you had a bad session or had you decided that as they hadnt spotted the third party deposits you would open their eyes to it so you could cry foul and try and claim a refund on all previous deposits?
I don’t agree with that characterisation, and this is where terminology is getting muddled.
“Fraud” isn’t simply using an account that isn’t in your own name. In UK law it requires dishonest intent to obtain a gain or cause a loss to another. There was no gain, no deception to extract money from the operator, no stolen funds, and no third-party loss. Depositing your own money, losing it gambling, and later questioning whether it should have been accepted is not the same thing as fraud in the legal sense.
Withdrawals also don’t change that analysis. Withdrawing funds from an account you’re actively using — even if that use breaches terms — is still a terms and compliance issue, not automatically a criminal one. Operators deal with this daily by closing accounts, voiding balances, or refusing withdrawals. They don’t treat it as a police matter unless there’s clear criminality, which isn’t present here.
As for why I disclosed it: there’s no ulterior motive or “gotcha” moment. I raised it because the situation had escalated, I recognised it was wrong, and I wanted clarity on what should have happened given the length of time deposits were accepted without intervention. That’s not “crying foul”; it’s raising a legitimate compliance question.
It’s also incorrect to suggest this only happened after a “bad session”. The issue isn’t about individual wins or losses — it’s about repeated acceptance of third-party deposits, which the operator’s own rules and licence conditions prohibit regardless of outcome.
I’ve never denied personal fault or tried to paint myself as blameless. What I’m saying — consistently — is that customer wrongdoing does not extinguish an operator’s regulatory obligations. Both can exist at the same time, and UK gambling regulation is built on that principle.
People are free to disagree with whether any refund is appropriate, but labelling everything as “fraud” and attributing motives doesn’t really engage with the actual issue being discussed
- Joined
- Jan 12, 2018
- Location
- Uk
It could surely be argued that it was your intention to obtain a gain……Otherwise what are you gambling for?
Good point but then it leads to the following arguments.
In this situation:
The money deposited was my own, not stolen.
There was no third-party victim.
The operator repeatedly accepted deposits in breach of their own rules, which is the actual issue.
Any potential gain would have been from a regulatory / procedural failure, not from deception.
So while I gambled to try to win, that is normal gambling behaviour. It does not meet the legal standard for fraud, and the question at hand is whether the operator complied with their licence obligations when accepting the deposits.
In this situation:
The money deposited was my own, not stolen.
There was no third-party victim.
The operator repeatedly accepted deposits in breach of their own rules, which is the actual issue.
Any potential gain would have been from a regulatory / procedural failure, not from deception.
So while I gambled to try to win, that is normal gambling behaviour. It does not meet the legal standard for fraud, and the question at hand is whether the operator complied with their licence obligations when accepting the deposits.
- Joined
- May 12, 2024
- Location
- Yorkshire
Im not a legal person per say, but is this not potentially fraud by deception? Trying to get money out of a casino, posing as someone else? You knowingly used your card on an account in a third parties name and thus deceiving the casino?
Again, shoot me down if im wrong, im not legal expert.
Again, shoot me down if im wrong, im not legal expert.
- Joined
- May 22, 2012
Of course there was a third party victim - your 'sister' who had her account closed because of you using an account in her name - which incidentally you are still omitting to tell us was either hers in the first place or that you opened in her name, which is fraudulent as you are obtaining services by deception you are not entitled to.
Your argument is getting delusional, a string of irrational self-justifications along the lines of "I took £20 out of my friend's wallet, put it on a horse, won £60 and then replaced it without him knowing. He lost nothing so I've done nothing wrong."
So did, or did you not, open the account yourself using her name?? That makes a huge difference here.
Delusional or clear facts of operators being in breach also? And no i did not create the account she had it for years and yes my bad they did close it but she was happy for them to do so anyway so still no victim but nice try..
In all honesty you do make a valid point but in these cases they become civil matters.
- Joined
- Jan 12, 2018
- Location
- Uk
I know it’s hypothetical, but if you’d won 100k and withdrawn it, that probably wouldn’t be dealt with in a civil court.
Your argument seems to revolve around, “it’s okay for me to break the law, but not them”. You seem to be ignoring the fact that if you hadn’t fraudulently set up the account, they would have no case to answer.
Your argument seems to revolve around, “it’s okay for me to break the law, but not them”. You seem to be ignoring the fact that if you hadn’t fraudulently set up the account, they would have no case to answer.
Just to clarify, I did not create the account. The issue is not about me “breaking the law” or moral judgments — it’s about the operator repeatedly accepting third-party deposits, which is explicitly prohibited under UK Gambling Commission rules. Even if deposits were made into an account not in my name, the operator had a duty to prevent or flag them, and the complaint/ADR process examines whether they complied with their own licence obligations, not whether the customer acted perfectly
- Joined
- Jan 12, 2018
- Location
- Uk
Okay, can we clarify one thing. You used your sister’s account with her consent and full knowledge. You knew that complications could/would arise, if you won and tried to withdraw a large amount.
Therefore, why didn’t you just use your sister’s card to deposit with? That way, the Casino would be no wiser as to whom was playing and no reason to suspect that anybody else, other than your sister, was playing. That would have eradicated any problems.
Therefore, why didn’t you just use your sister’s card to deposit with? That way, the Casino would be no wiser as to whom was playing and no reason to suspect that anybody else, other than your sister, was playing. That would have eradicated any problems.
- Joined
- May 22, 2012
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 think this is where the discussion keeps getting slightly mis-framed. This argument is not about the operator eventually finding out, or about how something could have been done differently to avoid detection. It’s about why they didn’t identify it themselves, and why third-party transactions were allowed to continue for an extended period without any intervention.
The operator only acted after I made them aware. Until then, deposits from a payment method not in the account holder’s name were accepted repeatedly, despite this being something their own rules and licence conditions say should not happen at all.
That’s the core issue being examined — whether a licensed operator had effective systems and controls to prevent or stop prohibited third-party funding, not whether a customer could theoretically have avoided detection by doing something else.
I’ve acknowledged mistakes on my part, but customer error doesn’t remove an operator’s responsibility to enforce its own rules in real time, rather than only after the problem is pointed out to them.
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