Hi everyone. Ive not gambled since before Christmas. My gambling, really started due to boredom, being depressed and being lonely. I am making complaints to various lenders and also to over 40 casinos about irresponsible lending./gaming To give me a focus to fill void of gambling.
I came clean to my husband about everything but he has stood by me which I'm thankful for. I know I'm to blame for situation I'm in but there should still be focus on lenders and casinos that take advantage of vulnerable adults.
Initially was great saver, had great credit rating, no loans, mortgage clear everything was great. In 2015 i had breast cancer, chemo, radiotherapy and on medication still to this day. Ive had many operations but 2019 things came to a head at work, i was forgetful (still am) servely fatigued, and in a lot of pain. I had to take ill health retirement.
At first I was OK but over time I felt lonely and bit depressed about my body changes and ailments then lock down happened. Gradually without noticing I started to gamble and gamble a lot to the point I’m at today. I’ve used every penny I had. Savings i had for my kids. Remortgaged. Then 6 months later Remortgaged again. This was to pay off car loan. Other loans and credit cards but it just built up again.
My forgetfulness is still an issue because I genuinely don’t realise that I continue to deposit.
I’ve used gamstop as my daughter set it up as she’s my registered carer. But I was still able to gamble on my husbands accounts by transferring funds to an old account of his. I came clean spoke to my GP about this and now have keyworker.
I feel that remortgage for 75000 shouldnt have been given. They didnt look at bank statements and broker that i spoke to advising gambling on statements said dont worry they wont check. In my mind i just wanted to clear credit cards and get back on track. I paid everything when i got the remortgage funds but once paid off i gambled again.
I was awarded from my current bank 5000 overdraft, 200 overdraft, credit cards 10300 and 1100, then 11000 with another bank and 1000 overdraft, and another bank 7500, and 12000 and 2 further cards 13500 and 1100 all used on gambling then I remortgage 6 months later for 151000 to clear all credit cards and 25000 loan. At this point i came clean about it all.
When i look at what ive spent i just cannot comprehend. Im retired since i was 42years old and should never have got a remortgage and they shouldve reviewed any current limits as my spending habits, funds in and out off accounts were not normal and should have been questioned. These unaffordable financial items have contributed to my gambling and if they were questioned at anytime when major changes started to occur on my accounts I believe I would have realised sooner and be in better position than I am today.
I'm in debt up to my eyeballs over 60000 debt with cards/paypal/klarna and in debt management program.
My mortgage is 1000 per month now and i owe family about 17000.
I honestly felt like I'd been better off not being here but I spoke to my family and it's not worth it to hurt them. I just need to start fighting back. I still get days I'm in so much pain or chronic fatigue creeps in but I'm trying. Has anyone been in situation where they have one against banks or casinos or should I just accept I got me here and move on. Ps all my cases financial ombudsman has been passed and specialist lawyer is looking at my case to see if anything can be done
I'm embarrassed and angry ive done this
This topic was modified 13 hours ago by
Andersong1dogThis topic was modified 10 hours ago 2 times by
Andersong1dog
Posted : 2nd February 2025 11:56 pm
