Payday Loan Ombudsman Victories - Large Refunds!!!!

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Gambling addiction is not believed to be an illness as demonstrated in this thread.

Monkeyballs

When I was gambling I would do and say anything to get the money I needed to play, this was completely outside of my character which in my eyes makes it a mental illness so would you consider someone with this mindset to be irresponsible or victim to an illness outside of their control?

Personally, for me repaying the debts accrued is linked to my recovery and tackling my poor attitude towards money (not all of my debts are gambling related) but I don't begrudge this guy getting the money back which is is obviously now putting to good use...

As with any addiction or illness it's hard to understand unless you have been there, consider that five months ago I'd happily joke (not maliciously, just making light) about someone whinging about back pain but having been off work and unable to walk or sit and in considerable pain I'm more sympathetic

It wouldn't surprise me if within the next five years all PDL's have to look at refunding interest on any loans considered "irresponsible".

MB

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Monkeyballs wrote: »

When I was gambling I would do and say anything to get the money I needed to play, this was completely outside of my character which in my eyes makes it a mental illness so would you consider someone with this mindset to be irresponsible or victim to an illness outside of their control?

I've seen my husband gamble both online and in a casino. He always looked 'normal' whatever that is, But the lengths he would go to ... the lies, deceit, manipulation and the seediness of applying for loans specifically to gamble, still shocks me as it is not him. It is not his normal character at all.

I sympathise with others to a degree, but I don't know them or love them. I love my husband, and watching him destroy his life, my life and the childrens lives is so hard. All for a deck of cards, most of the time a virtual deck of cards too.

It's my husbands debt, his interest, his problem ... right? I wish. If only life was that simple. The children and I are paying those debts in one way or another.

-taff

Monkeyballs wrote: »

When I was gambling I would do and say anything to get the money I needed to play

This is an addiction, not an illness.

No one is born addicted to gambling, no one catches beng addicted to gambling.

It's a choice you make to start gambling, then losing becomes the reason to keep going because you 'could' win...and you convince yourself the next time you will win, but you never keep a running total of what you've lost, just the amounts you win, etc etc....

Monkeyballs

-taff wrote: »

This is an addiction, not an illness.

No one is born addicted to gambling, no one catches beng addicted to gambling.

It's a choice you make to start gambling, then losing becomes the reason to keep going because you 'could' win...and you convince yourself the next time you will win, but you never keep a running total of what you've lost, just the amounts you win, etc etc....

Plenty of people gamble but don't become addicted, it's not a choice. Sure I got a buzz from winning but just as much from losing so it's not that simple I'm afraid.

It was through counselling that I managed to come to terms with the fact that I need to control every aspect of my life and maintaining a balance between wins and losses was just another aspect of this need.

When I was gambling I felt that it was wrong so it was hard to open up and get help which only made matters worse because I got sucked in and trust me, it's not normal to sit at your desk thinking about a roulette then going home with it still on your mind and trying to sleep but struggling because it's there having been there I have sympathy but not for people who refuse to change or accept they have a problem.

Marker,

To an extent it wasn't your husband as he wasn't himself. There is nothing to be proud about, he is probably ashamed and a part of him keeping it secret is likely to be him trying to protect you. I'm not condoning it, just trying to help you understand that controlling it is not easy...

MB

DJBlu

-taff wrote: »

This is an addiction, not an illness.

No one is born addicted to gambling, no one catches beng addicted to gambling.

It's a choice you make to start gambling, then losing becomes the reason to keep going because you 'could' win...and you convince yourself the next time you will win, but you never keep a running total of what you've lost, just the amounts you win, etc etc....

Gambling addiction isn't an illness?

Ask Dr Henrietta Bowden-Jones who started the NHS National Problem Gambling Clinic in London.

The choice is to enter into the world of gambling, the illness is the inability to leave.

The OP has written his story and is getting dogs abuse. If it wasn't irresponsible lending then surely the ombudsman would have awarded in favour of the lender. I think there are a lot of people on here who know better than those in authority to make the decisions.

Must be a great view from that high horse.

a4a

DJBlu wrote: »

Gambling addiction isn't an illness?

Ask Dr Henrietta Bowden-Jones who started the NHS National Problem Gambling Clinic in London.

The choice is to enter into the world of gambling, the illness is the inability to leave.

The OP has written his story and is getting dogs abuse. If it wasn't irresponsible lending then surely the ombudsman would have awarded in favour of the lender. I think there are a lot of people on here who know better than those in authority to make the decisions.

Must be a great view from that high horse.

Couldn't agree more, so many like to knock people, I think the OP is very brave coming on here and sharing their story and happily admitting their mistakes.

But then again, them that criticise probably don't make mistakes !!

Gazzafatcityboy

All,

Very interesting post. Um I guess I was in exactly the same position as the OP. I just dont understand how he can claim back the money he paid.

I have paid everything off now and its been about two years. I am very surprised that the ombudsman would rule in his favour?

do you think this opens the floodgates to other claims?

and if i wanted to claim.. where would i start?

FireWyrm

Gazzafatcityboy wrote: »

do you think this opens the floodgates to other claims?

Quite probably. Where does it stop? I ran into an unauthorised overdraft a few years ago, does that count? How about Barclays 'reserve' fee charges of £22 per 5 days...how about that? While we're on the subject, perhaps we should lodge complaints and requests for compensation for every lender to whom anyone owes money, in fact, why bother paying anything back at all? I mean seriously, it is all the lenders' fault for lending it to us in the first place. :cool:

blisteringblue

I'm with Firewyrm on this. Nobody twisted my arm to borrow money I did it all by myself and I will pay it back.

It's similar to PPI, Other than living beyond my means for a good few years I like to think I'm intelligent. I always saw PPI as a rip off, so I always ticked the box not to add it. Low and behold I'm now penalised on the back of those who didn't bother to read the smallprint or think it "helped" them get their borrowing, and they now get the money back with interest. I think I'll put a claim into the ombudsman for being extra smart re PPI and the banks should pay me a little something because they don't have to repay my PPI.

When will it stop ..... ?