Asking a bank to help refund a transaction :/

Juxtaposed

Hello all.


I've just joined this site and I was wondering if someone might be able to advise/help me in regards to a request Iam about to do with my bank.

Now first of all, I've had a bit of a gambling addiction, which I've now addressed after foolishly blowing £260 a few days ago, I did ask the gambling company if they could refund me the money but they said no, but I have now closed that account.
Anyway, because I spent that money, which ate up a big chunk of my overdraft , I've only got £2.39 to last me a month, and being an idiot I should be spending that £260 on bills and general shopping which I can not do now!
This has put me in a very bad place financially, I've asked my bank (which is lloyds) to see if they can either refund the money that I used( the recent £260) or if they can help me some other way.
Earlier this evening they said that I need to spend the remaining £2.39 that is available in my overdraft before they can help me.
Just wondering does anyone know what lloyds might do to help me out,if anything!

Regards J

P.s sorry to any mods if I have posted this in the wrong section!

Hellzapoppin

They're extremely unlikely to refund gambling transactions that you've participated in.

They may refer you to a team that help people with financial difficulties, it would depend on your circumstances as to what help they could offer.

You might be better off seeing what help is available in your local area, like a food bank, for example.

DCFC79

No I cant see the bank refunding the £260 that you spent. Id consider getting help for the addiction, theres many charities out there for you to contact.

Juxtaposed

Hello Hellzapoppin

Thats what i thought might be the case, that they might not refund a transaction because it's a gambling transaction that i have indeed participated in, i should 0f cut my cloth accordingly before i even considered spending money at a online casino.

I've never used a food bank before, but i guess thats an option, but the main issue i've got is that i use a pre-payment key for my electric,which is getting increasingly low and i can not ask friends or family to help out, as if they find out the reason why i'd get disowned!! (tbh they should of disowned me by now lol!).

But because i thought this has put me in a case of ,i guess slight hardship, the bank might be able to do something for me until my next pay day, i did have a thought that maybe the bank were going to and force me to use my remaining money and maybe somehow make me bankrupt (or something along those lines) is that even possible under a circumstance like this?

chambta

They won't refund a payment you freely admit you authorised. Whether it's gambling or your local Tesco store is irrelevant to them.

Flobberchops

Oh cripes. I'm not sure what logic they were employing encouraging you to burn through the last of your overdraft, perhaps best to visit a branch and see an advisor. It's probably wildly optimistic to hope they might offer you an overdraft extension or a loan - the phrase "good money after bad" comes to mind, and banks are businesses - but you should exhaust all options.

Also try your local CAB, the Money Advice Service, and look for local credit unions (they sometimes offer small loans at more affordable rates than the payday loan sharks). If you haven't destroyed your credit rating you could apply for a credit card to get you through this hard patch but please do yourself a favour and pay it off in full as soon as you're able and then preferably cut it up to remove temptation.

In the very short term you're probably going to have to swallow your pride and ask friends and family for a hand out. Either that or take your iPad/iPhone to Cash Converters.

And for Christ's sake get professional help for your addiction.

DCFC79

Juxtaposed wrote: »

Hello Hellzapoppin

Thats what i thought might be the case, that they might not refund a transaction because it's a gambling transaction that i have indeed participated in, i should 0f cut my cloth accordingly before i even considered spending money at a online casino.

I've never used a food bank before, but i guess thats an option, but the main issue i've got is that i use a pre-payment key for my electric,which is getting increasingly low and i can not ask friends or family to help out, as if they find out the reason why i'd get disowned!! (tbh they should of disowned me by now lol!).

But because i thought this has put me in a case of ,i guess slight hardship, the bank might be able to do something for me until my next pay day, i did have a thought that maybe the bank were going to and force me to use my remaining money and maybe somehow make me bankrupt (or something along those lines) is that even possible under a circumstance like this?

Bankruptcy wont happen for a small amount.

Got anything to sell eg tv, games console.


Dont put the heating on in the flat/house pput a load of clothss on if your cold. Eat cheap meals whilst you get yourself sorted.

Your friends would disown you, for blowing £260 over the last few days ? Does anyone else know you have an addicton ?

xylophone

Approach a firm but understanding family member and ask him/her to top up your prepay with sufficient to cover a month and to buy your food/cover your absolute necessities (in kind not cash to prevent your being tempted to gamble), until you receive your next salary, when you repay his outlay on your behalf immediately.

In the meantime, get help now http://www.gamblersanonymous.org.uk/

because if you truly are addicted then it is unlikely that you have
really "addressed the problem".

Kim_13

You don't have to tell them the reason that you're a bit short this month. You could say there's been an issue with your pay this month and that it's being looked into.

Perhaps you could ask Lloyds if they could change your debit card for a cash card in future, to remove the possibility of spending money online. Having to withdraw the cash and physically hand it over naturally makes people think more about what they are spending.

Getting professional help is a must; a white lie could spiral if you are not.

teddysmum

I can't see why you expect them to refund money you lost on gambling. If you bought a lottery ticket, which didn't win, from the local supermarket, you couldn't go back to the for a refund.

agrinnall

I think the gambling aspect is a bit of a red herring as far as the original question is concerned, I can't see any reason why Lloyds would refund any transaction made by the account holder of their own free will.