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    • With any benefits system which has some form of controls in place, you will see some of these reported events happening.  Obviously it is not just people that are claiming benefits that commit suicide.  I think the biggest cause of death of men between 40 to 50 is suicide.     it would be interesting how the UK compares with other similar countries.     Does the UK have worse social problems than other wealthy countries?  Are countries, particularly non English speaking, more community orientated, with family generations living close by, offering support to young and old ?   Trying to concentrate blame on one thing, without looking into all of the other relevant issues, can lead to misleading conclusions.     You would think that following a suicide death, Coroners would have obtained copies of all relevant information including DWP files.   Why is there not a requirement to properly investigate such deaths at the time they occurred and to learn something from  each case ?
    • No DWP is in denial, the Errol Graham case has caused much concern   https://www.disabilitynewsservice.com/errol-graham-coroner-pledges-to-press-dwp-on-safeguarding-review/   Something is amiss with the procedures, Capita and the PIP Assessments seem to go against what a claimant's doctors say quite often, as do the UC Work Capability Assessments
    • oh don't you just love fleecers out to make a buck out of people they think are just mugs..
    • Useful link, BN.   The article mentions that the National Audit Office said that the DWP isn't learning anything from its mistakes.   HB
    • 1.     The Claimant claims £9,240.52 for monies due from the Defendant.   2.     This debt was pursuant to a regulated agreement(s) between the Defendant and The Student Loans Company Limited.  Each agreement had an individual account number as follows: 01xxxxxxxx, 00xxxxxxx, 97xxxxxxx, 96xxxxxxx.   3.     The Defendant failed to make payments as per the terms resulting in the agreement(s) being terminated.   Notice of such is served by a Default or Termination Notice subject to the terms of the agreement(s).   4.     The debt was assigned to the Claimant on 22/11/2013, with a notice provided to the Defendant.   A new master reference number xxxxxxxxxxxxx was also applied upon assignment.   5.     The Claimant has complied with the Pre-Action Protocol for Debt Claims   DEFENCE ……………...   The Defendant contends that the particulars of claim are vague and generic in nature.  The Defendant accordingly sets out its case below and relies on CPR 16.5(3) in relation to any particular allegation to which a specific response has not been made.   1.     Paragraph 1 2 is noted and denied accepted . I have had financial dealings with The Student Loans company in the past.  I do not recall the precise details or agreement and have sought verification from the claimant who has not complied with my requests for further information.   2.     Paragraph 2 is noted and accepted.  I did take out 4 student loans with the Student Loans Company.   2.     Paragraph 3 is noted and denied.  The Defendant never agreed to make payments to the Claimant, terms of the original Student Loans Agreement have been adhered to and thus repayments of loans are not due.  The Claimant is put to strict proof that an agreement(s) to make payments was made and a breach of agreement(s) occurred.   Paragraph 3 is denied as The Defendant maintains that a default notices were never received. The Claimant is put to strict proof that default notices were issued to, and received by the Defendant    3. Paragraphs1 & 4 are denied.The annual income of the Defendant has never exceeded the published limits for deferral since graduating in XXXX. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly provided by the Claimant pursuant to the LoP Act 1925.   4.      On receipt of this claim I requested (Royal Mail signed for) on 14/02/2020 a CPR 31.14 from the Claimant's solicitor and a section 77 CCA from the Claimant, to which both have failed to respond to,  It is therefore denied with regards to the Defendant owing any monies to the Claimant;  the Claimant has failed to provide any evidence of credit agreement/assignment/balance/breach requested by CPR 31.14, and remains in default of my section 77 CCA Request, therefore the Claimant is put to strict proof to: (a)   Show how the Defendant has entered into an agreement(s) (b)  Show how the Defendant is in breach of agreement(s) (c)   Show why the Claimant has terminated agreement(s) show the nature of breach and service of Default Notices and subsequent Notice of Sums in Arrears in accordance with the Consumer  Credit Act (d)  Show how the Claimant has reached the amount claimed for and (e)   Show how the Claimant has the legal right, either under statute or equity to issue a claim.     5. On receipt of this claim I requested (Royal Mail signed for) on 14/02/2020 a CPR 31.14 from the Claimant's solicitor and a section 77 CCA from the Claimant,  for copies of the documents referred to within the Claimant’s particulars to establish what the claim is for. To date the Claimant has failed to comply to my section 77 requests and their solicitors, Drydens Limited, have refused my CPR 31.14 request.    6.     The Defendant has supplied the Claimant with a deferment letter and evidence every year that their income is below the threshold for repayments, by way of Royal Mail signed for and proof of postage has been kept. As per Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.      7.     The Defendant has done everything required of them to qualify for deferment as per the original agreement(s) with The Student Loans company.  The Claimant has only once acknowledged a deferment letter on 16 September 2014 whereupon they granted their request to defer repayments for that year. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82 A of the consumer credit Act 1974.    8.The Defendant therefore fails to see how they are in breach of any agreement(s) and deny the Claimant's claim of £9,240.52 or any other sum, or relief of any kind. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief        ……………………………...   delete the red add the blue.    
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Mart1980

Drunk Wife opened Ladbrookes online betting account and used my Natwest Card to spend £13k!!

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There is always the option of some social media shaming on Facebook or Twitter.

 

 


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I have threatened them with social media forum shaming and putting a complaint in to the gambling commission and I have threatened a letter to the CEO and lawyers and also a sar..

They are unmoved on any of them at all at the moment.

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well until you actually do anything bar keeping to get stuck at the script jockey stage on email/webchat/phone portals ...they'll keep fobbing you off.

 

 

 


please don't hit Quote...just type we know what we said earlier..

 

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Best way to hit ‘em in the social media. Study their Facebook pages. Find the nice fake corporate responsibility posts like a video of them at some award for helping a charity out our something. Or how they have helped problem gamblers, make sure they have lots of views on said video or announcement.

 

Then you can lay into them , a with a concise, cutting post about what they did. You might have to keep repeating a few times on different posts , but eventually you may well get some joy.

 

I have a friend who is a master at this, I have watched and observed.


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2 hours ago, London1971 said:

Best way to hit ‘em in the social media. Study their Facebook pages. Find the nice fake corporate responsibility posts like a video of them at some award for helping a charity out our something. Or how they have helped problem gamblers, make sure they have lots of views on said video or announcement.

 

Then you can lay into them , a with a concise, cutting post about what they did. You might have to keep repeating a few times on different posts , but eventually you may well get some joy.

 

I have a friend who is a master at this, I have watched and observed.

 

(Thought I'd posted this yesterday but obviously didn't)

 

What makes you think Ladbrokes would be susceptible to a bit of naming and shaming on social media?  They have to be capable of being shamed or have some sort of social conscience for this to work.  They don't give a sh1t about adverse publicity.  Do you not listen or watch news items about the gambling industry?

 

Do you really think they've won an award for helping a charity?  They're Ladbrokes.  Their whole business model is significantly based on exploiting vulnerable people and those with some sort of gambling problem.  Criticism on Facebook won't affect their profits.

 

EDIT:  Also the OP might well be reluctant to advertise this on Facebook.  His circumstances might not garner a lot of sympathy from some people. 

Edited by Manxman in exile

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Tell you what, if you have any better ideas I am all ears, as is everybody here.


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Think this thread has covered many different options and it is now up Mart to decide how they choose to proceed.

 

I should imagine that Labrokes see many such cases every week and they will just refuse to consider any refund of the money lost, until they are forced into it. e.g. successful complaint to regulators, Court claim against them.

 

Although the Bank may not have been at fault in any way, if Mart had been willing to provide the Bank with his Wifes details, with an explanation of what has happened, there was a slim chance they would have refunded debits. Allowing 27 transactions amounting to £13000 with just 1 warning text, does not seem very satisfactory.

 

 

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We could do with some help from you.

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And the squeaky wheel gets the problem sorted.


We could do with some help from you.

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Do research into who a betting company sponsors, in order to appear legitimate rather than the peddlers of misery that they really are.  They are the points I would be looking at to kick up a fuss if I wanted my money back from them.


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On ‎18‎/‎01‎/‎2020 at 11:00, London1971 said:

Tell you what, if you have any better ideas I am all ears, as is everybody here.

 

I've already suggested better ideas in posts 42, 45, 52, 85 and 90.  (Sorry about your ears by the way...)

 

To summarise: the bank is a non-starter for several reasons listed in earlier posts;

 

Ladbrokes appear to be at fault.  If they aren't going to budge then the OP needs to complain to the Gambling Commission (unless this Ladbrokes entity is incorporated somewhere like Malta, Gibraltar, the Isle of Man etc).  The potential difficulty here is that the Gambling Commission may have some sort of statutory duty to inform the authorities of what might look like some sort of potential fraud;

 

Hence the OP might find paid for legal advice helpful before going further.  Only the OP can decide if the cost of this is warranted compared to getting 13k back, or the possibility of a fraud investigation;

 

I'd also seek advice from a Gambling Charity, not because I'm suggesting the wife has a gambling problem, but because the OP is more likely to find people who have experience of dealing with gambling companies.

 

I'm not certain going down the social media route is right because the OP is going to have to explain that his wife had both his card and his mobile phone and gambled away 13k while drunk.  The OP may this embarrassing and not want to publicise it, and if he doesn't, I fear Ladbrokes might.  They may also decide to go down the fraud route.

 

I don't think you can shame gambling companies into doing anything.

Edited by Manxman in exile
clarification

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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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Here is the latest from ladbrokes.

 

 

Screenshot_20200121-065300_Gmail.jpg

Screenshot_20200121-065316_Gmail.jpg

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And my reply.excuse some of the spelling I was fuming writing the email on my phone and I noticed a few words had auto corrected.

Screenshot_20200121-065607_Gmail.jpg

Screenshot_20200121-065619_Gmail.jpg

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So threaten Labrokes with a Court claim.

 

Before you do that, speak to Gambling commission, to see if there is a dispute system you can use.


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7 hours ago, Manxman in exile said:

 

 

I'm not certain going down the social media route is right because the OP is going to have to explain that his wife had both his card and his mobile phone and gambled away 13k while drunk.  The OP may this embarrassing and not want to publicise it, and if he doesn't, I fear Ladbrokes might.  They may also decide to go down the fraud route.

 

I don't think you can shame gambling companies into doing anything.

 

No advice on here is bad , I'm not 'dissing ' anyone, I just want to help him get his hard earned back.

 

No way should he mention his wife being drunk, he doesn't have to explain anything of the sort on social media. Why should he be scared of either?

 

The SAR is also a good plan, it will be interesting to see if they fully comply.


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Hi. Whose name is the SAR in please? If it's you, they have an excuse not to reply but if your wife sends one as well, they shouldn't have any excuse.

 

HB


Illegitimi non carborundum

 

 

 

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Might be getting some were.

Problem is she doesn't remember the user name or password so I have give them every other detail name, address ,email ,date of birth and phone number.

 

If they come back now and say they dont have

Screenshot_20200121-163453_Gmail.jpg

Screenshot_20200121-163508_Gmail.jpg

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what device did she use for the gambling site?

dx


please don't hit Quote...just type we know what we said earlier..

 

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A mobile phone mine while I was out watching the football with all the lads.

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did she install the labrookes app?

or if you goto the site on the phone

does it not already have the log-in name filled in?

 

dx

 


please don't hit Quote...just type we know what we said earlier..

 

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She installed the app but deleted it before I woke up the next day and weridly enough she has no emails off ladbrokes 

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Bear in mind it was 10;days after before I found out I had no need to check ny bank because I had no calls 

Then got the shock of my life and even more when I finally found out it was her she had no idea what she was doing or how much was spenr

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without specialist knowledge (which is easy to do if you link your phone as a USB device to your PC)

you will be able to see what the details were.

 

as an outside shot.

I have j known certain apps to retain info even when uninstalled

try installing the app back on the same phone

you might well see the login name when you click in the log-in name box, it might pop back up.

if it does the password will still be there too but you wont see it.

 

if you can log-in

go straight to the account info page and change the password.

all transactions should be viewable.

 

 


please don't hit Quote...just type we know what we said earlier..

 

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Thanks but the account has been closed apparently so that's another way of them shutting the account and not being able to find it and keep the money like it never happened.

So corrupt ladbrokes

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erm..how they say the A/C has been closed when they clearly state they don't know anything about it?
 

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please don't hit Quote...just type we know what we said earlier..

 

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