Where to begin

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(@ev8tsfamgo)
Posts: 3
Topic starter
 

Hello all, I'm new here and thought I would get my story out there. Hopefully have some advice given to me to kick start my journey. 

 

I've been gambling on and off for years but this year seems to have gone ten fold and now I'm in the need of help. Paypal is awful to gamble with and I'm at a stage where I'm having to put money on sites just to ensure I don't go over my overdraft limit. For a while the worry has been what exactly happens if I go over the limit and PayPal can't take the money? I've read it will go into negative and I would have to work on repaying it which I would do 100%. I've read posts on here and although I'm not in as much debt as some I believe we all have our stories and are similar. 

Overall I believe that when I do stop the PayPal payments then I will end up in a negative of around £1600, and that would take me a few months to pay it off if I stop gambling completely. I am extremely lucky to have a semi full time job and a regular income and not many bills to pay. The catalyst to all this was the start of online banking, when I first had a bank card I had no reason to look at it and I want to be able to do that again!

I have debts elsewhere which I don't want anyone to know about, but my family were thinking they could take over my finances but I know full well if I quick gambling completely I can save the money as I've managed to save in the past.

I have a penny pot on my bank account that is deposited into daily and I don't want to dip into it and I am extremely proud of myself that I haven't. Likewise I have small amounts of savings in another bank which I also don't wish to dip into.

I would like advice - do you think the best way forward would be to self excluded/limit myself completely on sites and just allow PayPal to go into negative, or should I continue to play to try either win or ensure I don't go over my overdraft? 

My family know about my addiction and want me to ring someone to get help, but that first step is hard so I thought I would try this first.

Thank you!

 

 
Posted : 10th June 2025 12:32 pm
Tazman
(@tazman)
Posts: 760
 

The big question here you need to ask do u want to quit gambling or stop lossing? First step is admitting u have problem in which case block are neccessary and handing over finances at my early stages i had problem with lossing the amounts i was not comfortable with however i still enjoyed gambling and believed i could still recover losses only to get myself in a worse situation in the long run at that point i was around £10k in losses now i have lost around £150k plus and i am taking my addiction more seriously im currently on 701 days without a bet and i am living a better life then i ever did when i gambled u too can have this their simply no limits u cant even place a £1 bet u have to go extreme not only i have block in place i know i can still find way to gamble so the only way forward for me is taking each day as it comes so simply by not gambling is winning as this addiction never goes away

 
Posted : 10th June 2025 6:09 pm
(@bailsjake)
Posts: 10
 

Well said. First step is to admit you have a problem. But as everyone says never chase your losses as it will end up worse. Id say 99% of people think of winning their money back and it gets worse 10 fold. Im in 20k of debt. Ive admitted my problem and handed over my finances to my partner. Got an app where you cannot go on any betting sites, joined gamcare. I know for a fact I can find a way to gamble but im deciding not to. My advice would be clear your debts with savings and learn your lesson and get help before its too late. Hope this helps

 
Posted : 10th June 2025 8:23 pm
(@ev8tsfamgo)
Posts: 3
Topic starter
 

Thank you both for the reply! I spoke to a family member the other day and it was the first time I admitted I needed help and had a problem and that was a very big thing for me. For a long time gambling was fun but then it wasn't - would you say it's best to just block and then deal with PayPal when the time comes? I think in the long run I'll be able to pay them off within the next couple of months whereas if I kept gambling then it would never end I guess. My family member suggests I ring someone to talk about it as well but it's a very scary prospect but I believe it needs to be done, is talking to someone good? Thanks again

 
Posted : 10th June 2025 10:50 pm
(@bailsjake)
Posts: 10
 

I went to counselling through NHS and honestly it was a waste of time. But saying that Im looking into talking to someone about addiction through the NHS. I think just block everything. You obviously havent got control so take it out of your hands so you cant gamble. Luckily for me Ive had help of my family with the financial side of things. Theyve give me 5k but I still owe 15k but I can now afford that monthly. My opinion would be use your savings to clear that debt and start afresh. It then gives you incentive and a target to aim for. Make that your addiction. Hope this helps

 
Posted : 11th June 2025 7:40 pm
Em1978
(@837aobfmvu)
Posts: 101
 

Hi Wyslw. 
How are you getting on? 
Em

 
Posted : 12th June 2025 7:50 pm
(@ev8tsfamgo)
Posts: 3
Topic starter
 

Thank you for the replies. I haven't got enough savings to cover it all unfortunately - I haven't stopped putting money on to cover the PayPal payments yet, but I'm thinking just the best way to stop is to block and just face the consequences, and at least then I don't have to worry about waiting for withdrawals to process or go back into my bank and although I will have no money at all that way, it might stop me gambling and ensure I start saving. I'm scared to ring a help line and find out though, but I know it's what my family want to do. Just stopping will mean I have to give my wage to PayPal and my bank as I will be majorly overdrawn past my overdraft.

 
Posted : 15th June 2025 11:26 pm
Em1978
(@837aobfmvu)
Posts: 101
 

@ev8tsfamgo

I think I can help a little with the PayPal as I went through this recently. I’m presuming you either have an account or created PayPal accounts that you use directly to deposit maybe from PayPal balance. You may transfer money from one Paypal to another. Can I ask, when you do the initial transaction do you use PayPal Bank or the PayPal credit card facility? It must be one of these if they try and take the money later. 

I too was scared to call but in the end I bit the bullet and spoke to someone from customer care.

if it’s PayPal bank, they’ll attempt take the money in 3-5 days. If the money is not there they will usually send an email and you’ll have a red notice when you log into PayPal. Your PayPal balance will show minus whatever the outstanding balance is. Eventually this will go to collections and that is when they’ll contact you and can arrange a payment plan to pay off the outstanding balance. The PayPal bank facility may be removed from your account (due to non payment)

I hope this helps.

Em x

 
Posted : 16th June 2025 7:52 am
Em1978
(@837aobfmvu)
Posts: 101
 

Hey WYSLW

wooooah I have to admit your last update was a little triggering for me 😬😅

But I’m ok, I really hope you will be too. I’ve been there, win some back, thought phew I’m saved, only to put it all back in and more! Please be careful. You’re lucky enough to have won some money make sure you KEEP IT!

But if you don’t, no matter how long down the line, still get yourself back here. I’m keeping everything crossed that this is really it for you and you unlike some/ most of us here, can walk away an actual winner (even if it’s just the last time you gambled).

when the urges hit. Stay strong 💪 

Em x

 
Posted : 26th June 2025 4:33 pm

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