Mart1980 - what have Ladbrokes actually told you?
I ask because, having spoken to people who do use gambling sites, it's surprisingly (to me at least) common for people to find that they cannot withdraw their funds and that the gambling company won't tell them why.
Apparently this happens when the account is "under investigation" for some reason (usually suspected breach of money laundering legislation). When this happens they will not allow you to withdraw your money, and they also won't tell you why you can't (Catch 22). Upon completion of the investigation the money will be released - assuming everything has been found to be above board.
I'm wondering whether in the circumstances you describe, Ladbrokes consider the transactions "suspicious" and are investigating the account.
Have they told you that they won't refund the funds without telling you why (despite the fact that this seems to be a breach of their own T&Cs), or have they simply told you that they consider your wife lost the money on bad bets (again despite their T&Cs) and that that's your tough luck?
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