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[Update] Perpetual Debt, Gambling Addict, Big Win, Unbanked
Hey all, I just wanted to check in and update you all about the last month. Immediately after I posted here I was signposted towards private banking. They were all skeptical at first but within a day I had managed to open a bank account, had my cheque personally collected from my house and a charge card setup with the bank. Not much has happened since then, I’ve spent the last 4 weeks without any contact with the outside world really. As per advice I’ve started treatment for my gambling addiction and right now I don’t have the compulsion to gamble but I’m not cured and I know it won’t stay this way forever, I’m still continuing treatment as an outpatient right now. I’ve managed to get funds managed by a wealth manager currently but nothing invested it’s something that I can’t get my head round yet. As per my request I’ve been blocked from any large purchases or cash transactions but I’m fully aware that if I wanted to do this there is essentially nothing they can do to stop me. My next stages are to put the majority of my funds into a trust. All my payments right now are on a charge card so no online gambling is available to me which is a huge deterrent. Sorry there’s not much to update at this point but thank you for your advice last month. It’s a small way onto my path to recovery and regaining control of my life. Also I’ve not told any family members or friends.
Perpetual Debt, Gambling Addict, Big Win, Unbanked.
Hi PersonalFinanceUK, I hope I can get some advice here, long time lurker and using a throwaway to protect my identity for obvious reasons. I'm a gambling addict, I've been gambling for as long as I can remember, it started small but for the last 15 years it's consumed all of my money, from the day I get paid, I pay my bills and i buy myself gift cards for the supermarket so I can survive a month then that same day I either win up to around £15,000 or loose the lot, but by the second week in the month I can promise you all my money will be gone until my next pay day. I earn 60k p/a out of London, I had nothing to my name and I know gambling is bad for me and has destroyed my life until now. Over the year's i've ran up debts, I don't really have a clue how much I owe, looking at my credit files I think around £30,000 many times I've managed to get a basic bank account and get it overdrawn some how to the point that It's useless to me and eventually gets sent to collections then closed. I've been in a position where I can't open up a bank account for the last two years. Up until about 4 months ago I was using Transferwise as my main account but they closed it on me as using an account for solely gambling transactions is against their ToS. Since then I am using a pre-paid card to receive my salary and spending. I've tried approaching banks about getting an account with them and i essentially get a "Computer says No". I have checked I do not have any fraud markers against my name with CiFaS of the other agency which name currently escapes me. I've never been ready to change until the thing happened to me that I always wanted but never expected to happen. I have a cheque from a well known land based casino for more than I could expect to earn for the rest of my life, or even more money that I would have expected to earn in my career. But I'm unbankable. Literally no bank will touch me and I guess I deserve this but I don't know where to go from here. I'm at the point now that I want to turn my life around, I have spoken to my account managers at all the casino's I play at and explained my situation and joined SENSE and GAMSTOP. From this point on I can't gamble anymore, and I'm seeking help for the mental health side of things. I want to pay off my debts and start again property, It's like I have every penny back I ever paid into casino's and then some but I'm unable to touch it. Can anyone point me in the direction on where I can go from here on how I can gain banking facilities again? I assume that there must be a bank that will take the circumstances into account rather than just running the numbers on a screen.
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People who have won big ($10,000 or more) playing the lottery or gambling at the casino, how long did you play before winning and what did you spend the winnings on?
[Sports] - Gambling wins big at the polls in 2020, with 3 states authorizing legal sports betting and 3 others approving or expanding casino gambling | Chicago Tribune
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![[Sports] - Jackpot! Expansion of gambling in the US wins big at polls](https://b.thumbs.redditmedia.com/HRV8aQ3vhAvhFtnvh0lXpeFmj42uNUTvS1loN0KCqZw.jpg "[Sports] - Jackpot! Expansion of gambling in the US wins big at polls")
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![[Sports] - Gambling wins big at the polls in 2020, with 3 states authorizing legal sports betting and 3 others approving or expanding casino gambling | Chicago Tribune](https://b.thumbs.redditmedia.com/jd1uKa6WH20JfDTX6TIKc5zTk5mlR5ZMot3DdIXEZQM.jpg "[Sports] - Gambling wins big at the polls in 2020, with 3 states authorizing legal sports betting and 3 others approving or expanding casino gambling | Chicago Tribune")
