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Found 17 results

  1. Just after a bit of advice. I have had a gambling illness for years and been in and out of debt. I am seeking help now. I took out a loan with a company about 5 years ago and the wages for that loan came straight out of my wages so they wouldn't agree to a payment plan but I made it clear I had a gambling illness, anyway a couple of years after they let me take out another loan. Im just wondering would this be classed as irresponsible lending? To make it clear I know I'm the one who has the problem not them but you may of thought they should of had a flag on their system? I
  2. Hello. Any advice appreciated please, I have a full paypal account which has been verified and never any issues in 15 years, its backed up with a bank classic account visa(TSB) with no overdraft facility part due to jan 2017 just completed a 3 yr trust deed form 5 completed currently awaiting form 6. Cut to the chase I offer no excuses but my mother taken turn for worse last week : i stupidly gambled online last week. I had gaming casino account for number of years betting mostly small amounts, I honestly cannot explain why or the right details but I suddenly star
  3. Hi, This is my first time on here so sorry if this is not in the correct thread. I took a loan out in my partners name in 2015 and he's only just found out. I had a massive gambling problem then, I have tried repaying some of it but my debt spiralled out of control due to the gambling issue and I've stopped paying it! I just need some advice on how to fix this? I know probably some people will judge me for what I did and I suppose it's fair enough but any advice is appreciated. The loan was for £2200 taken with AvantCredit, they did not ask me to prove my identity either, that
  4. Afternoon CAG, I've seen on a number of threads regarding payday loans the question about whether gambling was involved with the payday debt... Can I ask why and how this is relevant and if/how it can affect complaints or legal disputes? Thanks
  5. Hi, My friend is on IS and HB. He has to go for a benefit review at job centre and take a recent bank statement. He does some online gambling and has money going in and out of his bank account from the gambling. Does anyone know if he'll get into trouble for this? Thanks
  6. Hello, A friend who lives outside UK has been using a well known UK gambling site. He has won a lot of money but the website says that as he is outside UK they have suspended his account and will not pay him the money. So, website is quite happy to take all money from him when he is losing, but then use an excuse when he has won to avoid paying the money. Any advice please?
  7. Hi All Have a question ( hope I am posting in the correct forum) A friend of mine lost some money on an online gambling site (Jackpotjoy) and he wants to claim that back through the bank because he feels that the site misquoted the winning odds and he didn't win a single game. Is it possible to claim the money back through the bank since he essentially missold a product? or am I wrong here? Any advice will be helpful.
  8. Dear unknown friends, Hope someone can offer valuable advice. I have two UK unsecured personal loans. I recently left the UK and moved back to my parents house, in a developing country with no links to the UK. I can't pay one penny on those loans anymore, and I will be soon defaulting. A student loan the size of Jupiter takes precedence, and I am struggling to avoid defaulting on it. I read every single post on the subject I found. I gathered that a creditor/collector cannot legally get a UK CCJ against a non-UK resident. I am debating if to tell the creditors I moved abroa
  9. I am not sure if I am in the correct forum for this. I have not come on here to be criticised. I am in a big mess. I missed last months mortgage and secured loan due to my gambling addiction. And again this month I have spent half of the payments and dont have enough money for the payments. I am in a massive mess, I have no family to borrow the money from, and too embarrassed to ask my friends. I am already in arrears with my mortgages. I can afford to make the payments for my mortgage, but I have the addiction. Started of with £20 then kept chasing my money. Is there any help
  10. My father is now quite elderly and unwell. He has gambled heavily for many years and has run up large credit card debts. We don't know quite how large, but he has a number of cards and only pays off the minimum. He is still gambling and I don't think he will stop. My mother is very worried about what will happen should he pre-decease her. The house is in joint ownership and the mortgage has been paid off. We aren't really sure whether she would have to pay his credit card/gambling debts and whether the house would form part of his estate, or pass directly
  11. Hi all I've just joined as a little paranoid and would appreciate some help or advice please. From the start I lost my job nearly 2 years ago and moved back home with my mum. At that time I had £0 to my name and started claiming JSA, not long after that I started to gamble and have won several thousand pounds over this period. my money has been accumulating slowly due to me living at home and living cheaply. yesterday I got a call for a JSA review and drilled about everything I have or may have. I was honest 100% of it except I told them I had a £2300 balance when actually
  12. Interesting epetition just found.Personally i am sick of seeing gambling adverts on TV. Trying to draw people in.I have never really looked at it before so just had a quick look round and it is surprising how big some of these companies are.Are more people getting addicted,i do not know,perhaps you do. Everyone in the adverts is so happy but how many are being taken in,getting into difficulties,do you know. But the sheer amount of money now being spent on TV advertising must be paying off.It is everywhere you look. Just in case anyone is interested.Only got 70 signatures . http
  13. I have a compulsive gambling problem. I took out a 8k loan in Sept to pay off two credit cards MBNA and Barclaycard. After I cleared these two cards off, I took what I felt was responsible actions to close both of these credit lines and to remove temptation. I contacted both MBNA and Barclaycard through their online messaging consoles. MBNA cancelled and closed my account within 24 hours of contact. Barlcaycard I received this response about 30 mins later However I never heard from Barclaycard as per my simple request to close down the account ASAP.
  14. Hey guys I am 21 year old male. I am a good guy. I help grannies cross the street. I step in if someone is doing something wrong. I do the right thing. But I am a gambling addict. My father before me was a gambling addict and he got me down the same path. It has been a long and painful path. I cant think of a day of my life i have enjoyed the past 2 years. This is where I stand currently: I have £50 to survive to the end of next month ( live with parents ) I have about 6 payday loan companies expecting to take about £300 from my account in a few days. Nothing wi
  15. Just wondered if you have any of these accounts connected to your bank account do Banks and Lenders veiw them as a big negative whilst considering offering you a Loan or Mortgage ect.
  16. I am not expecting any sympathy as I completely accept that our situation is completely my own doing. I have had a long-term gambling addiction and have gotten my wife and I into an impossible situation. I'd welcome any guidance from others who are / have been in a similar position. I've found some similar stories but none that include running a business. I am getting help and I am desperately trying to control my illness. My wife and I run a Ltd company that has paid the bills for the last 2 x years. It could be so much better but I have driven it into the ground through g
  17. Hi I have been a complete idiot and got hooked on gambling i have taken out so many pay day loans i went to payplan set up a dmp but i am having difficulty paying it as i took out more loans to feed my habbit. I have stopped but all are chasing me do I tell them about my addiction as they want to know why i cant pay. owe £7000 arrears on mortgage and have broken so many arrangements i think they will repossess my house. If they start proceedings what happens if I can prove i can pay a little back each month will they stop the repos
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