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Given how buddy-buddy payment industry is, I'd advise against this unless a lawyer is willing to take it pro-bono on the basis that your case is so strong it'd be a layup.

That's really not how regulation in the payments industry works
aliqot OP
The same way insurance companies and casinos collude against those who lose them money, so do payment industry companies. You might beat the case but you won't beat the ride.
What entity in your analogy is the regulatory body?

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