Should My Bank Have Done More?

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(@3eas0up17h)
Posts: 1
Topic starter
 

During Covid when stuck at home I became inflicted with a horrible gambling addiction for sports betting and particularly online casinos, regularly losing a substantial amount of money each month. 

This went on for years but as 2024 started my wife helped me realise that this simply had to stop and I registered with gamstop. I told Barclays to block gambling on my account. Unfortunately, they still allowed me to continue betting. I complained and they refunded me my £10k losses that were accrued from the moment I asked them to stop me.

However, Barclays closed my account just days after this and told me to use a switch service to another bank as they no longer wanted me as a customer. I had been a customer of that bank since 1997 when my mum opened it for me aged 11... the only current account I had ever had and it caused me quite the upheaval.

I used the switch service to Lloyds bank. Before too long, this nasty addiction hit me again and I was soon gambling. In September I hit the lowest point of it. I lost my job of twenty years and panicked and made 27 deposits large deposits and lost a lot of money in minutes.

I then put a gambling block on my Lloyds account. I have since complained that these debit card payments should have been flagged earlier given the high volume and high amount of them and the fact they were to a dodgy looking overseas vendor. Indeed, on one day Lloyds actually stopped me from depositing any more as I hit a daily card limit, only for this to then reset the next day. Nothing to do with gambling just an auto block for the high volume of payments.

I never got a phone call from Lloyds or any "are you sure" messages on my app during or after. My wife helped me put a gambling block on my mobile app... but it sadly didn't stop me from doing bank transfers to gambling sites a few weeks later and I lost another large sum of money. 

Considering Lloyds never flagged these high volume of debit card payments as a problem, despite hitting their daily limit and allowing me to continue when it reset the next day

Considering Lloyds never called or asked about my wellbeing after I put the stop on my app

Considering they then never flagged 4 dodgy large payments, done within minutes, to an overseas gambling merchant...

do I have any grounds to complain about how I have been let down as a customer?

Furthermore, do I have any kind of case to complain against Barclays for ditching me as a customer when I was clearly vulnerable with my addiction. Should Barclays have done more to tell Lloyds I was with gamstop / I had a gambling block on my account? Would Lloyds have been granted access to that information? Or is that onus completely on me.

I've been on and off reading this thread and I'm not being naive about my gambling problem. I am seeking therapy, my wife now has control of all my finances and I'm learning to cope with the new reality that I'm never getting any of my losses back.

However, it is still gnawing away at me that perhaps both Barclays and Lloyds have let me down here?

Any advice would be much welcome.

This topic was modified 2 days ago by Forum admin
 
Posted : 12th November 2024 5:46 am
 KTID
(@kmw37lqy5i)
Posts: 8
 

@v9dne78m54 I agree with Adderz89, he makes valid points. It sounds to me that you are currently indenial about what has happened and you are pointing the finger at the bank, which I get, its easier to put the blame else where but ultimately it is our own decision to gamble and we all must take responsibility for our actions. You wont heal if you keep putting the blame else where, you must try and accept this mistake was your responsibility.  Once you can come to terms with it, then you will be able to begin healing.

I do want to point out one thing, you were forced to change banks by barclays and when you opened your account with lloyds, you didn't put any blocks or barriers in place even though you knew you messed up whilst with Barclays but were extremly fortunate to get your money back. Do you not think you had a responsibility when you opened the Lloyds account to put limits or restrictions in place because of your past mistakes? 

All the best with the recovery.

Danny

 
Posted : 12th November 2024 7:29 am
(@287hzyl0pq)
Posts: 69
 

Just when you think you've heard it all hey ! 🤣 

Yea look I'll start by saying you haven't got a snowballs chance in hell of getting a bean out of lloyds

They aren't there to babysit your spending if they did there would be uproar , they run basic fraud checks and anti money laundering and thats about it I'm guessing you were authorising all of these transactions manually ? 

I'm amazed you got the first bank to give you 10 grand back , there must have been some heavy negligence involved there and I'm guessing it was maybe hush money

Understandable they wanted rid of you as you would have been marked a serious liability after that escapade

You strike me as somebody that doesn't really want to take accountability for their actions and this is an addictions bread and butter

You have a lot of work to do young man. 

 

 

 

 
Posted : 13th November 2024 12:44 am

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