kathy, Welcome to majorwager. I'd like to hear what the others say about this, but here is my opinion. If fraud was committed against you, don't pay them. Chargeback if you have to.
But I'm not sure I am understanding your story.. Someone got on your account and used someone elses credit card?
I am also disgusted that there is nothing on netellers site to warn people of this 10bet scam and the importance of changing their secure id's, and phishing warnings as well.
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minnow@ majorwager.com
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