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Online Casinos in general: Banks' duty to protect/warn

Topic created on 10th Jul. 2019 | Page: 1 of 2 | Answers: 18 | Views: 9,168
Quippie
Amateur

Banks' duty to protect/warn

10th Jul. 2019, at 11:43 am CEST#1
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Hello to the round,

i have a question for you. First of all, I am not interested in any chargeback
My losses are my own fault. Actually, my main concern is to accuse a bank of carelessness and indifference. That's why I have one or two questions, namely the following:

If someone deposits 1x 200 EUR via Trustly, then such a thing is certainly not necessarily suspicious. It is just a bank transfer. But how does it look if 20x10 EUR are deposited? And how does it look if from these 20 deposits 10 small profits come out, which are credited the next day on the account

And most importantly, what if this happens not only on one day, but several times?

There is the passage §8 paragraph 2 of the GlüStV. This concerns primarily only the casinos, and to what extent they apply to current accounts I can not judge. What would be interesting here is the section "Perception of the staff or based on reports from third parties that there are indications that visitors are at Risk of Gambling addiction

Does a bank have no responsibility at all?

Credit card payments are perhaps a bit more difficult for the bank to track, but surely a protection system should be in place there as well?

And one more question. It happened to me at some point after I had been playing this game for about 3-4 months. At first nothing came. And at some point, the notice fluttered in the house that the account and credit card will be terminated in due time because of transfers to gambling providers. Of course I was shocked. But ok, it was my own fault. Two days later, I thought to myself, now I'll see if then also consequently Sofortüberweisung, Trustly or Giropay to the appropriate places are blocked. But no, I could diligently continue to Deposit

Lt. the judgement of the OLG does not know the bank, for which the money is transferred. But how does it look if the bank knows very well? Doesn't it then have a duty of care somehow? They could have restricted online banking at the first sign that something was getting out of hand. And above all, after they had knowledge of it, no more transfers should have taken place, at least to said casinos. Because from that moment on, it was obvious.

If you had knowledge of the gambling, they can't wriggle out of it and claim that we didn't know anything, especially if it's there in black and white

I'm really not interested in getting anything back. My point is to find out whether banks have any protection/warning obligations at all, or whether they should not care what happens to their customers

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Begbie
Elite

Banks' duty to protect/warn

10th Jul. 2019, at 12:06 pm CEST#2
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i used to have an account with spaßkasse. it sometimes happened that transactions like 20x10€ were listed in quick succession.
at some point, there was also a call from the customer advisor with the result that they cancelled my overdraft with immediate effect.
so they already noticed this and intervened. the banks notice that it was a gambling transaction anyway by means of a special code.
but i wouldn't necessarily refer to the spaßkasse in general, it was just an "overzealous" customer advisor with a mommy complex ^^

at commerzbank, norisbank and ING there was no call so far.
but there it was also not yet as ekzessiv as with the fun bank...

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gamble1
Icon

Banks' duty to protect/warn

10th Jul. 2019, at 01:08 pm CEST#3
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So there are systems in place to monitor this, but they are primarily about money laundering

with me came 2012 my advisor of the savings bank on me after my account looked very much like gambling so also many deposits in a short time etc. I told him then how it was and he said you better not do that because otherwise you have difficulties to get a loan

a few years later I was called after my 20k win (2x 10,000 €) to a conversation because the money laundering department has reported and was asked about the origin there was my consultant with the branch manager in an office and I and asked about the origin there I also said how it was and the issue was settled

Account was always in good shape and the advisors you know from childhood, so everything was no problem

but he said even if I was not a good customer he would now have to collect my overdraft and me on the no-credit list Packen but he would see me over it but I should look that it does not look too obvious to play because otherwise the center takes over the

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Stromberg
Legend

Banks' duty to protect/warn

11th Jul. 2019, at 10:13 am CEST#4
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I think as long as online gambling is not regulated, no bank has the obligation to look after a customer. Of course, they will make sure that they get their money back if the customer slips into the red or does not pay loans on time. But not in the sense of caring

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Anonym

Banks' duty to protect/warn

11th Jul. 2019, at 10:23 pm CEST#5
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Stromberg wrote on 11.07.2019 at 10:13: I think as long as online gambling is not regulated, no bank has the obligation to look after a customer. They will of course already take care to get their money back if the customer slips into the red or doesn't pay loans on time. But not in the sense of caring


On the other hand, no one is allowed to participate in payments for illegal gambling. But that also puts the onus on the banks.

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Milan030
Amateur

Banks' duty to protect/warn

12th Jul. 2019, at 12:25 pm CEST#6
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Since I work at a bank I know of course more
But I will not go into detail....the banks refer to certain laws and their AGB`s.I read also from the team GJ again and again the money from the Online Casinos retrieve is over..that is true but only partially.It is on the subject so and I know that because I also talk to colleagues that there are "good" lawyers and not so good lawyers.At the verdict that was spoken in Bavaria was the lawyer's day grotto bad!..where I know that I like to keep for me.It always depends on the situation and also on the arguments at the court.There were often enough successes before the court for players even last yet.Also my bank had agreed with some players out of court.Our bank checks beforehand very precisely with what arguments a lawyer could come to court and depending on it we let it come on or not...here the amount plays a role and also the method.Whether credit card or instant transfer....I'll tell you one thing there was a case where a player has made debts with us with online casinos and you could clearly see the account movements at then that this man has a strong gambling problem.

His chances looked good...until he or his lawyer brought the argument that he was a gambling addict and we as a bank and payment service Provider should have stopped it because he wanted to stop for a long time and gave so seen us as a bank then blame that it went anyway

find the error...of course we as a bank demanded from the lawyer then a proof that he has done for some time just against his gambling problem what? Whether you want to believe it or not the lawyer then advised the player but to waive action and not to go to court.because he had NEVER started a therapy and also the bank did not inform.the argument I get in the future possibly no more loans should probably be unimportant with a disease that I want to get rid of or?
The lawyer knew that we would also bring the court so...because we can act "better" if the customer makes us aware of something.

Most is just about the AGB`s regulated...that if we see conspicuous transactions us the right reserved and bla bla bla
That put most banks of course so clever these AGB `s that you can discuss just always about what is conspicuous?

That is then the trick of the matter...each court decides individually some for the players some just for the banks

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Crazy4U
Amateur

Banks' duty to protect/warn

12th Jul. 2019, at 09:16 pm CEST#7
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Hm....may I ask how you solve that, that the bank does not get wind?

I have nothing to be charged back, but also do not like that at some point my account is canceled.

Everything can only be done via credit card? How do the Kreditkaten banks see that?

Or does the bank not mind as long as you are in the plus and no Debt?

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Anonym

Banks' duty to protect/warn

13th Jul. 2019, at 05:15 pm CEST#8
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So my bank should actually know this. I have been playing in OC's every month for almost a year and have never received a notice from my bank. The only thing that has happened is that my statements are provided to me online and I can't get statements at the ATM anymore. It's also really helpful, because waiting 10 - 15 min for the printouts is also stupid and costs a lot of paper

Maybe it's really just because a bank doesn't like that, for example, if there is a loan in the form of an overdraft or something similar. That a bank makes itself possibly punishable, because it promotes the gambling, about it I never thought, because I also do not believe that it is illegal. The offer is too large and it would have already long times someone this business terminated. There's just too much money attached to it for everyone and that's why they're all quiet
But it would certainly be a good way for banks to get rid of unwelcome customers by simply saying that they don't want to support it anymore

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Anonym

Banks' duty to protect/warn

13th Jul. 2019, at 05:30 pm CEST#9
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I heard a report on the radio the other day. It said that the authorities can hardly process the money laundering cases at the moment, because apparently there are more than 40 thousand cases in the queue. This means that maybe not tomorrow, but eventually all online casino players will be brought to justice.

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Anonym

Banks' duty to protect/warn

13th Jul. 2019, at 05:40 pm CEST#10
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capriz wrote on 07/13/2019 at 17:30: I heard a report on the radio the other day. There it was said that the authorities can hardly process the money laundering cases at the moment, because apparently there are more than 40 thousand cases in the queue. This means that maybe not tomorrow, but eventually all online casino players will be brought to justice.

The OC game has little to do with money laundering. It already starts with the fact that the casinos do not accept it, for example, if another name is mentioned as a payment medium, then you can not have the money transferred to your own account. Everything must always match

Of course, if I Deposit 1000 EUR in cash on my account without having withdrawn it from my account beforehand and then forward it to an OC, then I have to expect that I will make myself suspicious

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