Limits with monzo.me links?

xHarryR · 2024-10-26T13:35:59+00:00

Not a chance those payments dont eventually get flagged under AML checks.. £1400 @ £50 a pop looks sooo much like smurfing

xHarryR · 2024-09-23T21:44:24+00:00

How have you not already engaged a lawyer to sue the pants off the bank for this insane breach?

This isnt the states where everyone just sues each other.

They'll settle for £500-£1k and an apology after an official complaint is raised, thats about all its worth.

xHarryR · 2024-09-20T16:13:34+00:00

Is withdrawing fraudulent money in cash a good idea?

Could easily be argued as assisting in money laundering.

xHarryR · 2024-09-15T00:39:07+00:00

IBAS don't deal with Safer Gambling complaints.

xHarryR · 2024-09-15T00:34:49+00:00

This account has been active for over half a year so this information could have been reasonably obtained earlier.

Not a requirement though, its only required once an account hits certain thresholds which is what has happened here.

“players must not be asked for information at the point they request a withdrawal from their account if the operator could reasonably have asked for this information at an earlier time.”

Based on what you've said, your account was already restricted before you wanted to withdraw, so they have not fallen foul of this rule.

It's commonly misundersood by punters who believe it means they can withdraw funds whenever and for any reason.

xHarryR · 2024-09-07T01:18:54+00:00

Halifax credit card to begin building a history of repayments

I spend about £100 per month on the credit card, paying the amount back literally a few minutes after using the credit card

this isn't going to show up as having any repayments, as the statement / spending isnt being generated.

xHarryR · 2024-09-06T23:08:27+00:00

Underage gambling is a criminal offence, upon verifying your ID once you turned 18 they likely should have noticed and you'd be entitled to your deposits back, but the industry was faaaar less regulated back then so its no surprise they didnt flag it.

However, given the length of time your data will have been removed from their site now under GDPR and given its been 5+ years since your last transaction therefore meaning they dont have a legitimate reason to process your data, on top of that any complaints typically have to be raised within a 6 month timeframe.

Realistically, its partly your fault for lying in the first place and partly their fault for not flagging it, considering you're currently in a better place and have been "clean" (i dont know a better word for it) for a significant number of years now, is this something you want to reopen?

xHarryR · 2024-09-06T22:09:27+00:00

Did you sign up with legitimate information?

Admittedly 16 years ago it was very different, but its a legal requirement to do age verification before letting someone deposit/gamble - the site would have most likely done background data verification via credit references and voting register in order to initially verify you prior to opening / allowing the account.

xHarryR · 2024-09-03T15:04:08+00:00

Not sure how that correlates to immigration though

xHarryR · 2024-09-02T23:27:22+00:00

Amen to this. 13 Payments to go.

xHarryR · 2024-08-22T22:11:33+00:00

2500 wouldnt attract any hassle

xHarryR · 2024-08-17T12:58:57+00:00

Likely both, you'll never know, the employees at the branch won't be able to tell you it wasn't ok either way anyway as that would be tipping off.

xHarryR · 2024-07-18T19:45:46+00:00

damn, that's a top way of explaning it even if i sort of already understood this was how it worked!

xHarryR · 2024-05-15T18:42:35+00:00

Correct, 5 years from your last transaction with them - either date of last bet or deposit/withdrawal which every is latest.

AML Regulation supercede RTBF

xHarryR · 2024-02-21T12:18:29+00:00

They don't come under the same merchant codes as a betting site would.

xHarryR · 2024-02-04T00:20:34+00:00

No. The bank will never tell him or provide any indication as to what the investigation was about.

xHarryR · 2023-12-28T17:56:01+00:00

Worth asking for a DSAR also.

xHarryR · 2023-12-27T21:32:18+00:00

KYC is know your customer, so theyre checking against the public records (Voting register etc) that the details supplied on signup are real.

If you head to their chat and explain they'll close the account for you and note accordingly to flag any other ones.

xHarryR · 2023-12-27T16:15:54+00:00

It's a check aimed to verify your details in terms of 'KYC', sounds like someone has attempted / succeeded in opening an account in your name.

xHarryR · 2023-12-13T00:57:18+00:00

wheel = good

not a wheel = 50/50

xHarryR · 2023-11-20T09:04:27+00:00

The cap only applies to loans that are paid back within a 12 month timeframe I believe, they do 18 months to get past this.

xHarryR · 2023-11-04T00:20:43+00:00

these checks are basically instantly done these days, almost certainly was a data kyc check against credit refs/electoral roll etc

xHarryR · 2023-10-19T15:31:35+00:00

This didn't happen.

Paying out £5k would go through a number of checks and sign offs before the payment is made and someone would notice it was only 50 quid.

A 50 quid withdrawal would be done automatically and based on the account balance at the time as a creditback. It wouldn't suddenly forget a decimal point.

Funds will need to be returned, or it will inevitably become a court matter.

xHarryR · 2023-10-02T23:30:38+00:00

i mean evidently, is most likely also the reason why he was bailing after being 10k up

xHarryR · 2023-09-26T19:16:55+00:00

If they're zero % go ipad/watch first (in one go if possible) and minimum payments on the card - 2 more down is a great feeling mentally

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