Source of wealth and refund

[Flatzem]

27 minutes ago, Stevenrr said:

I have registered with gamstop and I am also talking to gamcare and I am seeking medical help for depression 

It has really impacted on my life in every way

Did you get a chance to watch the gambling documentary Ka Ching Pokie Slot documentary. Hope you get around to it it explains a lot how they get players hooked, it's an addiction by design. They can addict players to losing as well as winning and they lie to players such as with the sounds of a loss disguised as a win when you bet 5quid and get a return of 2quid, you lost 3, but the slot will make the same sound as when you profit on the spin. Now what should be mandated is that if a slot spin results in a net loss then sound differentiating a loss from a win. Such as make it play the losing answer sound on gameshows such as family feud or price is right losing horn. This would have an actual impact on gameplay. Players would not like hearing this sound over and over , including on dead spins, so they would either have to turn off the sound entirely which makes the slot alot more boring and thus reducing game time as player will quit. The slot providers will whine and argue that they are losing customers but that's too bad when your business is on using psychological tricks to hook players and sheer the sheep.

You got depressed cause of the slot losses or were you trying to escape issues in life by getting into the slots zone?

When you were spinning the slots max spinning 200quid spin were you in a zombie state or were you desperate to get a big win to recoup the losses. But you knew that even with a big win it wouldn't let you leave the slot addiction as you would put all the money back in. People have won 50K, 100K, 1mil+ only to pump it back into slots. There was a case of some lad that won about 100k or 200K on the lottery raffles and then put it all into slots on a daily basis till it was all gone.

 

[Stevenrr]

I have been depressed for a while work stress and problems at home but it has got significantly worse I've hit rock bottom and told my wife what's been going on and she is helping me deal with it and helped me gamstop and self exclude on the site 

Im not sure what I was doing I played for fun it didn't bother me when I lost stupidly and when I did win I put it back in I lost count on my deposits and they got bigger and bigger untill I spent money that wasn't my own ect I literally had no control couldn't stop myself untill I had nothing left 

I will have a look at the documentary 

Anything to do with gambling ie adverts ect sends me into  an anxious state at the moment so I will wait awhile before I do 

[Stevenrr]

I've managed to get some information today

Total deposits are £54388

Withdrawal £14500

Reversed withdrawals £23780

Who in there right mind reverses over £23000

Most reversed are around 3-4k 

From the 1st of September to 14th Nov 

[Flatzem]

34 minutes ago, Stevenrr said:

I've managed to get some information today

Total deposits are £54388

Withdrawal £14500

Reversed withdrawals £23780

Who in there right mind reverses over £23000

Most reversed are around 3-4k  

From the 1st of September to 14th Nov  

You weren't in the right state of mind, cause of tilt

good that you made some withdrawals that's sensible.

reversing withdrawals is something players talk about and most of the time it leads to losses. I've only ever done it once and lost it. That was after finishing bonus wagering.

 

[Stevenrr]

2 hours ago, Flatzem said:

You weren't in the right state of mind, cause of tilt

good that you made some withdrawals that's sensible.

reversing withdrawals is something players talk about and most of the time it leads to losses. I've only ever done it once and Lost it. That was after finishing bonus wagering.

 

 I put 12500 the first month and 33000 the second then managed to stop after another 9000 ish from 1st Nov untill the 14th 

I say stop myself managed to get help to block me 

[Flatzem]

21 minutes ago, Stevenrr said:

 I put 12500 the first month and 33000 the second then managed to stop after another 9000 ish from 1st Nov untill the 14th 

I say stop myself managed to get help to block me  

You stopped yourself before losing cars and houses like some people have done.

[Stevenrr]

Morning all

I had a email last night from the site saying that there complance team are looking into my case and I should have a response in the next few day 

I take it the will look into 

Source of funds . Kyc. DDC and social responsibility ect 

How fair do you think they will be?? 

As they work for the site 

[pinnit2015]

15 minutes ago, Stevenrr said:

Morning all

I had a email last night from the site saying that there complance team are looking into my case and I should have a response in the next few day 

I take it the will look into 

Source of funds . Kyc. DDC and social responsibility ect 

How fair do you think they will be?? 

As they work for the site 

Yeah, they work for the casino but as the compliance team they owe a duty of care to work in the best interests of the company. Hence if they re-review and find failings they should be acting on it.

It's certainly a lot better to sort any issues out before it gets potentially escalated to other parties outwith their control. 

It's why most complaints areas have an Ombudsman and companies don't tend to like the complaints being escalated to such. Having said that, Casinos in the UK don't really have one as the UKGC aren't one seemingly - maybe why a lot of casinos chance their arm as they know recourse is limited. 

Now, compare that to the financial services industry and it's a different kettle o fish

[pinnit2015]

Having said that, you'd be pretty naive to think that a company is going to let it's internal complaints/compliance team agree to substantial refunds w/o a fight. 

[Stevenrr]

6 minutes ago, pinnit2015 said:

Yeah, they work for the casino but as the compliance team they owe a duty of care to work in the best interests of the company. Hence if they re-review and find failings they should be acting on it.

It's certainly a lot better to sort any issues out before it gets potentially escalated to other parties outwith their control. 

It's why most complaints areas have an Ombudsman and companies don't tend to like the complaints being escalated to such. Having said that, Casinos in the UK don't really have one as the UKGC aren't one seemingly - maybe why a lot of casinos chance their arm as they know recourse is limited. 

Now, compare that to the financial services industry and it's a different kettle o fish

I guess I would get a report of some sort

[Stevenrr]

They have sent me a source of wealth that means they have done a risk assessment as part of the Aml process but never completed your obligation

 

Or they sent me a sow because of my deposit amount and never completed the process for the DDC kyc

 

Or they sent me a sow because of my red flags on my account and never completed your obligation to responsible gambling / social responsibility

 

All 3 obligations result in a failure

Does this seem right?? 

[pinnit2015]

3 minutes ago, Stevenrr said:

They have sent me a source of wealth that means they have done a risk assessment as part of the Aml process but never completed your obligation

 

Or they sent me a sow because of my deposit amount and never completed the process for the DDC kyc

 

Or they sent me a sow because of my red flags on my account and never completed your obligation to responsible gambling / social responsibility

 

All 3 obligations result in a failure

Does this seem right?? 

The way in which it should be done should be done as part of the Enhanced Due Diligence Process - basically, if you're asked for it it means that as part of their risk assessment, they've deemed you to fall within the category of being a high risk in terms of potential money laundering (doesn't mean you are, just that they've categorised you as falling in this category)

Could be deposit amounts, type of play, various patterns etcetc - each will have their own set of risk indicators. 

Can be established via a number of ways:

 - Land/company registers

 - Past Transactions

- Open source

 - HMRC doc's etc etc

 

Touched upon something - last one.....SOW SHOULD NEVER BE USED FOR RG PURPOSES IF IT'S STATED IT'S FOR AML - NO WAY HOSE. If they want to request this info, for RG, they have to explicitly state - under GDPR, THEY CANNOT, request for SOW/ML and then proceed to use it for RG. If you find them doing this, report them to the ICO. 

Does the request state it's for RG OR AML? It should really state this.

 

 

[pinnit2015]

I basically got a request from Slotmillions asking for bank statements etc - they, to their credit, said it was for RG purposes. Not AML. 

[Stevenrr]

 

The reason for the contact is that under the conditions of our operating license we’re required to ask our customers for information and proof regarding how they earn the funds they use to gamble. It won’t take a minute, you just need to read this email and then log into the My Account section and upload a document or documents proving your source of funds.

 

Depending up how the funds you use to gamble came into your possession, for example if you are a salaried employee, or a business owner, or you sold property, or inherited money, will depend upon the type of document or documents you need to upload.

[Flatzem]

3 hours ago, Stevenrr said:

 

The reason for the contact is that under the conditions of our operating license we’re required to ask our customers for information and proof regarding how they earn the funds they use to gamble. It won’t take a minute, you just need to read this email and then log into the My Account section and upload a document or documents proving your source of funds. 

 

Depending up how the funds you use to gamble came into your possession, for example if you are a salaried employee, or a business owner, or you sold property, or inherited money, will depend upon the type of document or documents you need to upload.

SOW is just to check if the funds used to gamble were obtained legally and in this case you weren't doing anything illegal just using your savings to inject into the casinos' fat wallet.

[Stevenrr]

19 minutes ago, Flatzem said:

SOW is just to check if the funds used to gamble were obtained legally and in this case you weren't doing anything illegal just using your savings to inject into the casinos' fat wallet.

I'm trying to find out on what grounds they sent me one and if there in compliance for not having me fill it in and continue to deposit around a further 40k with a gambling addiction 

 

[Stevenrr]

Heard back from there complance team today and they said they going no future with my case  but won't give me a deadlock letter detailing why 

The ukgc have said to me on the phone there is multiple failures in sow and social responsibility 

What now adr won't deal with regulatory issues 

[pinnit2015]

Not a lot you can do tbh that I know of. The UKGC are aware and even if they did get involved it’d be to investigate their possible breaches, rather than provide a remedy.

Do find it odd that these issues fall into a black hole

[Stevenrr]

On 12/5/2019 at 6:05 PM, pinnit2015 said:

Not a lot you can do tbh that I know of. The UKGC are aware and even if they did get involved it’d be to investigate their possible breaches, rather than provide a remedy.

Do find it odd that these issues fall into a black hole

It's really frustrating I have put it to ecogra adr but I don't think they will take it on because it's regulatory issuses

UKGC are waiting for me to send  my sar's information and they asked me to email the company (playojo) and request a deadlock letter with information from there investigations and said if they don't send me one it's another breach 

I have read that Ellis jones solicitors have won cases with all the same regulatory issues  trouble is I've gambled all my money and can't afford to take legal action at the moment 

[Flatzem]

1 hour ago, Stevenrr said:

It's really frustrating I have put it to ecogra adr but I don't think they will take it on because it's regulatory issuses 

UKGC are waiting for me to send  my sar's information and they asked me to email the company (playojo) and request a deadlock letter with information from there investigations and said if they don't send me one it's another breach  

I have read that Ellis jones solicitors have won cases with all the same regulatory issues  trouble is I've gambled all my money and can't afford to take legal action at the moment 

Can you sell your car/cars if you have any and get the legal action started or get a quick loan to pay for the legal action, maybe even an interest free loan from relatives.

[Stevenrr]

Ecogra have excpeted my dispute so I just need to wait now see what they say 

[cocopop3011]

On 12/10/2019 at 11:00 AM, Stevenrr said:

Ecogra have excpeted my dispute so I just need to wait now see what they say 

Keep us posted. 

[pinnit2015]

Speaking of which, Slotmillion have not closed my a/c but still asking for:

Nahhhhh

I sent them an upload of Spongebob  Squarepants instead and it was rejected. 

 

[Flatzem]

10 minutes ago, pinnit2015 said:

Speaking of which, Slotmillion have not closed my a/c but still asking for:

Nahhhhh

I sent them an upload of Spongebob  Squarepants instead and it was rejected.  

 

try upload of Mr Krabs instead 

[pinnit2015]

6 minutes ago, Flatzem said:

try upload of Mr Krabs instead 

On it

The guy i was speaking to sounded so thick he would probably believe i'm Scrooge McDuck