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Off topic & small talk: Lottoland/Lotto24 - Malta - Claim

Topic created on 19th Jan. 2021 | Page: 1 of 2 | Answers: 11 | Views: 3,618
gamble1
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Hey guys briefly a question and indeed is a buddy of mine what stupid happened

He played in the past often at the above providers casino and lotto always via direct debit mostly so 10-100 € in small amounts what has also always worked out

Now is unfortunately 1 debit of 50 € was not covered at that time but all others always without problems according to his statement

The whole thing is now a few months ago and he has now received mail from a German Debt collection company and should pay 150 €

I am aware that this concerns the collection costs but I should ask whether this claim is at all legal since there is a Malta license and the money was mostly used for casino ?

He is only about the 100 € he should pay more he would transfer the 50 € of course he owes the Provider

He has also considered whether he points to the point that it is not allowed to play lottery or casino online and therefore the collection has no basis but can he do that and then at the same time to pay off his debts because he wants to do that absolutely he is a man he does not want to owe anyone anything

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sippi
Expert
So 100 € more seems to me already a little high. Lotto24 has a German license, so you are playing the real "Lotto". Have you or your buddy received a letter from both?

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gamble1
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sippi wrote on 19.01.2021 at 10:57: So 100 € more seems to me already a little high. Lotto24 has a German license, so you are playing the real "Lotto". Did you or your buddy get a letter from both?

He got the letter and it is lottoland.com with the seat in 3153 Malta displayed as a client

And his big problem is that he simply doesn't want to accept to pay them 100 € more for a letter because of a one-time mistake

The funny thing is that all other direct debits were honored on this day (came several per day sometimes) and only one unfortunately not

He has also shown me everything so far

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Kleinkariert
Expert
gamble1 wrote on 19/01/2021 at 12:47 PM
He got the letter and it shows lottoland.com located in 3153 Malta as the principal

And his big problem is that he simply doesn't want to accept to pay them 100 € more for writing a letter because of a one time mistake quasi

The funny thing is that all other direct debits were honored on this day (came several per day sometimes) and only one unfortunately not

He has also shown me everything so far

Lottoland is not allowed according to German law, he could also charge back everything without what they can do. Because Lottoland is not an official broker like Lotto24 (Lotto24 is a broker, on the official Lotto site you can see a whitelist).

By law, the collection fees may not correspond to the majority of the claim, for 50 € in arrears you can ask for 4.12% interest + 5 € processing + X € for the return debit note (collection must prove exact costs). This means anything over ~20 € would not be legally tenable here.

-> maximum 70 € could demand the Debt collection in total. But you can also ignore the collection and simply write with the creditor (Lottoland). But do not make any admissions, because that is always used against you.

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gamble1
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Kleinkariert wrote on 19.01.2021 at 13:29
Lottoland is not allowed according to German law, he could also book back everything without the what can do. Because Lottoland is not an official broker like Lotto24 (Lotto24 is a broker, on the official Lotto site you can see a whitelist about it).

By law, the collection fees may not correspond to the majority of the claim, for 50 € in arrears you can ask for 4.12% interest + 5 € processing + X € for the return debit note (collection must prove exact costs). That means anything over ~20 € would not be legally tenable here.

-> maximum 70 € could demand the Debt collection in total. But you can also ignore the collection and simply write with the creditor (Lottoland). But do not make any admissions, because that is always used against you.

Thank you have times the thread forwarded here let's see vill he still speaks out himself

What currently makes me a little curious how to give the debt collection to understand that there is no basis for your claim because from my own experience I can say forget debt collection = reminder notice from the court so he should already report but what do you say without bringing yourself into a stupid situation

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Falko
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gamble1 wrote on 19.01.2021 at 15:57
Thank you have times the thread forwarded here let's see vill he speaks up himself yes still

What currently makes me a little curious how to give the Debt collection to understand that there is no basis for your claim because from my own experience I can say debt collection forgotten = reminder notice from the court so he should report already

That means he could Deposit without activated online banking there ? Because direct debit is the only way to pay bills on the Internet without having online banking. But this is also really dangerous if a gambling Provider offers this as a payment method. I have blocked my online banking at that time, so that I can no longer deposit so easily and now hear here from a provider with direct debit.

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gamble1
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Falko wrote on 19.01.2021 at 16:02
That means he could Deposit there without activated online banking ? Because direct debit is the only way to pay bills on the Internet without having online banking. That in turn is also really dangerous if a Provider of gambling offers that as a payment method. I have blocked my online banking at that time, so that I can no longer deposit so easily and now hear here from a provider with direct debit.

Yes have gambled myself once there so and after decision of the system paid with direct debit and zb. BoD zockt I could then zb. 100 € zocken and then gings no longer if then was clear has everything worked I could next time 120-130

So really think that's like PayPal the system certainly makes a Risk analysis

And yes is meant for lotto but that you can access casino is already dangerous whether it makes this limit better that misses you the system I can not judge but gambling on account is never good

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Kleinkariert
Expert
gamble1 wrote on 19.01.2021 at 15:57
Thank you have times the thread forwarded here let's see vill he still speaks up himself

What makes me currently a little bit curious how to give the Debt collection to understand that there is no basis for your claim because from my own experience I can say debt collection forgotten = reminder from the court so he should already report but what do you say there without bringing yourself into a stupid position

You do not have to write anything to the debt collector, only when a reminder comes then you have to react by rejecting it. I recommend to transfer 50 € to Lottoland to make it clear that this money is intended only for Lottoland (purpose and also in writing to Lottoland). Then with the collection, if they want to agree on something else, otherwise it come to a court case with the collection. But I can assure you that most of the debt collectors will fold before that and make a compromise that is legally compliant.

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Anonym
Lottoland started with Lotto brokerage, own money, uses the German lottery numbers, but has no right in Germany.
Since you can often use Lotto with direct debits, they also had this payment method. Then came slowly casino slots to it, initially only Netent and Pragmatic, mittlerweile gibtts yes also BTG, Playngo etc.

You can therefore continue to load his account with direct debit and also use it for the casino. The direct debit has a small limit, if you pay more often successfully without a chargeback, the limit increases more and more.

Admittedly, in a bad time on my part, I also took advantage of this, without cover. Of course nothing won and since then I have a negative balance there and never used the site again. A claim never came for lack of legal situation, because they are just not legal in Germany.
Thus, the casino bears the full Risk for this payment method and it would not surprise me if they stop that over time, as I am certainly not an isolated case.

Oh, there is even another Provider where exactly the same is possible, but I do not know exactly how they were called.
But I don't want to tempt anyone here. I can only advise against exploiting something like this. Learn from our stupid deeds, but do not repeat them!

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Falko
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s1n88 wrote on 19/01/2021 at 20:15: Lottoland started with Lotto brokerage, own money, uses the German lotto numbers, but has no right in Germany.
Since you can often use Lotto with direct debits, they also had this payment method. Then came slowly casino slots to it, initially only Netent and Pragmatic, meanwhile gibtts yes also BTG, Playngo etc.

You can therefore continue to load his account with direct debit and also use it for the casino. The direct debit has a small limit, if you pay more often successfully without a chargeback, the limit increases more and more.

Admittedly, in a bad time on my part, I also took advantage of this, without cover. Of course nothing won and since then I have a negative balance there and never used the site again. A claim never came for lack of legal situation, because they are just not legal in Germany.
Thus, the casino bears the full Risk for this payment method and it would not surprise me if they stop that over time, as I am certainly not an isolated case.

Oh, there is even another Provider where exactly the same is possible, but I do not know exactly how they were called.
But I don't want to tempt anyone here. I can only advise against exploiting something like this. Learn from our stupid deeds, but do not repeat them!

For example, I buy from Amazon only with direct debit and that would be really fatal if I would be tempted by this provider about this method to pay in there and then what messed up. Because once there are problems with direct debit, you can no longer use them anywhere. I think that's awesome that something like this is still possible to be able to slot via this payment provider.

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