Dear ActivTrades team,Thank you for your detailed reply, but I would like to clarify several key technical and regulatory points that have been overlooked or inaccurately represented in your response.First, the error message you referred to —“RemoteTimeoutError: 3DS challenge has expired, cardholder failed to complete the challenge on time.” —corresponds to an attempt dated 17 October at 17:17.However, my actual deposit attempt of €500 occurred on 16 October at 23:32, approximately 17 hours earlier.During that attempt, your payment page was completely frozen, and no 3D Secure (3DS) authentication request was ever received by my bank.This technical failure prevented me from completing the transaction.As a direct consequence, my trading account was margin-called on 17 October at 00:10, barely one hour after my failed deposit attempt.The 17-hour discrepancy between my actual deposit attempt and your system’s error log clearly indicates a malfunction in your server or payment gateway, casting serious doubt on your conclusion that no technical issue occurred on your side.Furthermore, the screenshot you provided contains no identifiable header, timestamp, or verification mark, so its authenticity cannot be confirmed.Meanwhile, my official banking records clearly show that all deposits made through your platform were processed to an account in the United Kingdom, confirming that your services were provided from London under ActivTrades PLC, which is regulated by the Financial Conduct Authority (FCA).My MT4 account is hosted on the server “ActivTradesMarkets-5 (ACTVLN01)”, which is based in London — not Mauritius.Therefore, the claim that my case should fall under the jurisdiction of the Mauritius Financial Services Commission (FSC) is unfounded, given the clear evidence that all transactions and services were handled under your UK entity.I have already submitted my complete file, including all supporting documentation, to the Financial Ombudsman Service (FOS) under reference PNX-5770544-X1V4.However, I remain open to a fair and timely resolution if you conduct an objective re-evaluation of your findings and issue an official final response in compliance with FCA complaint-handling standards.In accordance with the FOS guidelines, I kindly request that you send me your final response (“Final Response Letter”) as soon as possible in order to allow the Ombudsman to proceed with the review of my caseSincerely,Pezhman PouraliAccount number: 3036618
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