Is there a chargeback online casino where you can claim back lost money? Can you claim money back in the online casino? Many players who have to live with the risk of losing large sums of money when gambling online ask themselves these questions. Among other things, we dealt with the topics of gambling debts, reclaiming money from PayPal and more. Here you can find out whether there are ways to use a chargeback online casino for yourself.
- Do you have to settle gambling debts in any case?
- How can a chargeback work?
- There may be legal consequences for you?
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Just one last lap and the big win awaits
First of all we would like to emphasize: When gambling, the focus should always be on having fun. Unfortunately, it is not without reason that the operators of the online gambling halls keep pointing out that gambling can be addicting. Gambling is undoubtedly seductive and quite a few people are out of control over their gambling behavior. Of course, this aspect is also part of the thrill, as is proven by the growing sales figures of online casinos.
The high turnover figures also show that the bank wins in the end. By and large, it is the operators who make the big profits. However, some lucky players also manage to take home big jackpots.
Der Spiegel writes an article about reclaiming gambling debts
But what about those who lose? Can you claim money back in the online casino or is the chargeback online casino a myth? Can you claim money back by direct debit, credit card or PayPal, or do you have to live with the gambling debts? That seems to work partially, as reported by Spiegel. Under certain circumstances, a player can avoid the payment once - either by objection to PayPal, after which the PayPal account is then closed. According to the editor Michael Fröhlingsdorf at Spiegel, gambling debts on credit cards can also be ignored, as you can object to payment of credit card debts. With the direct debit procedure, you can apply for a chargeback - but that everything really works smoothly is questionable. At the end of the article, the editor also admits that you could be liable to prosecution if you apply for such a chargeback several times. Because, as the lawyer Lenné recited in the article, says that from a legal point of view it could possibly be fraud.
We cannot give you a clear answer to these questions. Not only does every online gambling hall follow its own player policy, but the starting position also plays an important role. Furthermore, we cannot offer sound legal advice, but only make recommendations and share experiences. With our article we only want to inform you about the chargeback online casino and explain to what extent you can claim back losses in the online casino. Whether that really works in the end is still another matter.
Claim Money Back Casino - This Is How It Can Work
If we only look at the technical side, it is of course no problem at all to initiate a chargeback in the online casino in Canada. The different Payment services, in the German online game libraries make chargeback easy. Here are a few examples of payment services that are popular:
- Direct debit: If you have given the casino a direct debit authorization, you can object to a direct debit in your online banking. All that is needed is a single click.
- Credit card: It is also possible to get money back when paying by credit card. Object to a charge by filling out a form. This is also possible online. However, a deadline must be observed here, because the objection must be submitted within a certain period of time.
- PayPal: At PayPal you have 180 days to cancel a payment. The keyword here is the word buyer protection. The payment service also gives the part who received the money an opportunity to express their views.
- Transfer and Paysafecard: It gets more difficult here. A chargeback cannot simply be carried out without further ado. The provider must agree to transfer money and actively submit the application, e.g. send the money to another bank account. This can be done voluntarily or made possible by legal coercion.
- Neteller and Skrill: It can also be a little more difficult with the e-exchanges. The providers work closely with the online casinos, which is why chargeback requests will not have much success. However, if amounts are deducted from your own bank account, you can object again.
What about morality and law?
Gambling debts are debts of honor, we probably all know this sentence. It says that the gambler should expect and live with losses and have to pay for them. But that is easier said than done, after all, gambling can threaten your very existence and ruin people. If the gambling debts are very high, the moral aspect will very quickly move into the background.
What does the legal situation really look like then? Is claiming money back an option for you in online casinos? To do this, we first looked at the State Treaty on Gambling. This clearly shows that the outcome of a game in gambling can never be predicted, but that the outcome always depends on chance. Whether you win or lose is a matter of chance. Both sides of the coin are to be accepted by the player.
Accordingly, you will hardly be able to convince a judge that you did not know that there is a lot of money to be lost in gambling. We are all aware of the risks. The situation is different, however, with proven gambling addiction or insanity. Illnesses or a proven lack of maturity can also play a role.
Here it can make perfect sense to consult a lawyer. In the end, however, it can always be said: the players would probably not have paid back a big win either, so at first glance the casino is not obliged to repay losses.
How illegal is gambling debts?
The contract that you enter into with an online casino must always be fulfilled. If you agree to the terms and conditions, then you also accept the fact that you can not only cash out winnings, but also have your debts to settle, should luck not be kind to you. Of course, there may be parts of the contract that can be declared null and void, but a layperson is unlikely to find anything here.
Consult a lawyer
If you hire a lawyer, he will probably refer to the State Treaty on Gambling. Online casinos are actually illegal in many federal states in Canada, and payments are accordingly prohibited. On the other hand, there is the fact that casinos with EU headquarters are somehow permitted, because this is where the freedom to provide services, which is part of European law, applies - because there is Licenses for online casinos.
So once again we cannot conclusively clarify whether and how illegal gambling is in Canada. We have been waiting for clear decisions for years, but the government is taking its time. Perhaps this is a plus point for players who want to claim money back in the online casino?
In addition, if you have played in a casino that is not based in the EU, then it is illegal to play. In most cases, however, you will likely be playing in an online gambling hall based in locations such as Gibraltar or Malta.
The chargeback does follow for you?
If you ask for money back by credit card, direct debit or PayPal, this can have consequences for you. Here, too, it depends on the provider which steps may be taken.
- SH license: If you come from Schleswig-Holstein, the bailiff will probably knock on your door at some point if you refuse to pay your online casino gambling debts. We're pretty sure lawsuits won't work here.
- EU license: As already explained above, gambling is only partially legal in Canada. However, the freedom to provide services within the EU also plays a role. Therefore is also a Casino without a German license a good choice. We recommend consulting a lawyer in this case, there may be a loophole here or there that enables you to forget about your gambling debts.
Criminal Consequences
Once again, the criminal situation is, how could it be otherwise, not entirely clear. Illegal gambling is of course prohibited, but players in Canada are never actually punished. But the question arises as to whether you want to wake the metaphorical sleeping dog by trying to escape your gambling debts and bet on the illegality of gambling.
Debt collection and Schufa
There is no general way of saying whether you would be successful with your lawsuit. Basically, the plaintiff must always live with the risk of legal consequences. As a rule, sooner or later a debt collection company will be involved and the entry in databases such as Schufa is then almost certain. Accordingly, you should think carefully in advance whether it makes sense to sit out the gambling debts first or whether you actually have no chance of winning a legal dispute.
What special cases are there?
Claiming money back in the online casino is not easy, as we have already explained in detail. As usual, there are no rules without exceptions, because special cases also play a role in this issue. For example, if parents discover that their underage children have been playing online without permission, the starting point should be encouraging. Minors are not fully legally competent and are not allowed to take part in gambling in the Federal Republic of Canada. Here, too, it is advisable to consult a lawyer in order to receive the best support right from the start.
- Minors are not allowed to gamble
- Gambling addiction can be considered a special case
- Get when you lose control Gambling help
Another special case can be gambling addiction. If you are not in control of your game, you can get banned. If you still have the opportunity to bet money and lose it, then it will also be possible here to claim the money back. If you suffer from gambling addiction and need help, there are also various contact points where you can seek help.
Many platforms are networked with one another
Lots reputable online gambling halls are networked with each other because they belong to large corporate groups. In the case of gambling debts, this means: If your account is frozen with one provider, the accounts in other casinos will also be blocked. So think carefully about which online casino to claim money back makes sense and whether it is even likely that you have a chargeback online casino in front of you.
If you are listed in a database it will be difficult to get out of it. That would be particularly annoying if you actually land a big win, but your data is analyzed and then it is discovered that you actually have gambling debts. In this case, it may well happen that profits are withheld by the providers.
Return debits are also sometimes sold
If we take a casino based in Malta or Gibraltar, we initially have the impression that the platforms are forever far away. It seems unlikely to us that debts could actually be collected. In reality, however, it looks like that many debt collection companies are buying claims from casinos in order to collect the money in Canada. The court and attorney fees involved can be very high - and in the worst case scenario, you will have to pay for them.
Payment methods are also blocked
The payment service providers also communicate with one another. Should problems arise, you could very well be blocked from a provider. For example, if you want to reclaim money with PayPal and do not settle your debts in an online casino, it can quickly happen that you are blocked by PayPal. The same applies to credit cards. So here too, caution is advised and you should think twice about whether it makes sense to withhold your money.
Winning and losing - that's simply part of gambling
How nice it would be if we didn't have to live with the risk. But winning and losing go hand in hand when it comes to gambling and that is what makes it so attractive. However, fun can quickly become serious when we no longer have our game under control. You should never bet money that you don't actually have. If you have lost more than you can afford, then it is imperative that you limit yourself or, if necessary, even stop playing games of chance.
Many casinos offer you the option of using certain limits. For example, you can set maximum stakes that you can place in a day, in a week or in a month. These tools are extremely helpful in keeping your own gaming behavior under control. So you are forced to take breaks, even if you may have that familiar “If I do one more round now, I will definitely win back all my losses” feeling.
Also, if you lose, don't fret. While losing out isn't nice, it's just a part of gambling. The joy is then all the greater when one or the other win beckons. In the end, since you don't need any special skills to gamble, it is only fair that fate should decide whether you will win or lose.
Play for fun and amusement, not to earn your monthly rent or a living. If you only use a small part of your money to try your luck, the positives will outweigh the benefits and you can enjoy the thrill without worry.
Our conclusion: This is how the online casino chargeback can work
How is our final rating? Can you claim money back in the online casino or are the chances hopeless? We summarize what you should pay attention to:
- Debts at licensed casinos in Schleswig-Holstein should be paid off. Otherwise there is a risk of reminders and subsequent seizures. The prospect of chargebacks is virtually impossible here, so we rather advise against legal action.
- As a rule, you also have to pay outside of Schleswig-Holstein, because although the legal situation in EU countries has not been clarified, lawsuits here are also rather hopeless.
- If the debts accumulate in a casino outside the EU, the player already has better chances. Here it is rather unlikely that the bailiff will knock on the door at some point. Nevertheless, we advise you not to take any action without a lawyer.
- There can always be special cases. For example, minors are not allowed to gamble. Some providers are also accommodating in the case of gambling addiction, but there is no guarantee.
- Are you afraid that you are out of control of your game? It is better to get blocked from the site in good time instead of hoping for a chargeback online casino.
Finally, it remains to be said: If you can't handle losing at gambling, you should keep your hands off it. Of course, losing large sums of money is extremely annoying, but that's part of it, too. Those who like to gamble can also gamble away quickly. After all, with the risk comes the chance of being the lucky winner in the end.
Better safe than sorry
Claiming money back by direct debit, credit card or PayPal is not impossible in the event of a loss, but it is quite difficult. The casinos are in all likelihood not required to cancel gambling debts. We can therefore only advise you to take all the important measures in advance so as not to get stuck in an unpleasant situation. Chargebacks are associated with a lot of effort and can backfire. In the worst case, there is a risk of seizures, Schufa entries and other consequences that you would certainly prefer to avoid.
Good entertainment in trusted casinos
Therefore, always choose a reputable online casino in which you definitely have the opportunity to set certain limits. This way, you can't be tempted to risk money that you don't actually have. So the question arises whether you are dealing with an accommodating chargeback online casino, then hopefully not at all.
Unfortunately, we have to assume that in most cases you will not be successful with your chargeback or lawsuit. There are only a few exceptions where it makes sense to reclaim losses in the online casino. Minors have a good chance of getting away with no payment. Gambling addiction can also be the reason, but successful recovery is never certain.
Finally, make sure to only see gambling as a nice pastime. An activity that you indulge in every now and then when your wallet allows it and your head is relaxed. Keep reminding yourself that losing and winning go hand in hand in gambling and a good time and thrill are guaranteed.
Frequently asked questions about chargeback in online casinos
► Is the casino's license decisive for the prospect of a chargeback??
Yes, it definitely is. At online casinos with a German license, i.e. the state of affairs from Schleswig-Holstein, for example, there is hardly any prospect of success. These casinos will probably try to collect the "debts" after a chargeback and you are more likely to have the shorter lever. Maybe it is possible, but definitely not without a new strategy and definitely not without an experienced lawyer.
► What about European licenses - can you get away with the chargeback?
With casinos that only have a license in a European country, it is not possible either, but the situation here is becoming more and more unclear. We recommend consulting a lawyer and realistically assessing the chances of your case.
► Casinos without a license or with a license from outside the EU - you can claim your money back here?
And then there are the casinos that have a license outside of the European Union, or no license at all. There may be a good chance of not having to pay here. Without a lawyer, we would not recommend proceeding here either, since not every case is the same and the legal situation can change again and again.
24/07/2020