Prvi put post. Tokom Covid-a, kada sam zaglavio kod kuće, postao sam užasan zavisnost od kockanja za sportsko klađenje i posebno onlajn kazina, redovno gubio 10-20 hiljada funti mesečno.
Ovo je trajalo godinama, ali kada je 2024. počela moja žena mi je pomogla da shvatim da je ovo jednostavno moralo da prestane i ja sam se registrovao na gamstop. Rekao sam Barclaisu da blokira kockanje na mom nalogu. Nažalost, ipak su mi dozvolili da nastavim sa klađenjem. Požalio sam se i oni su mi vratili moje gubitke od 10.000 funti koji su nastali od trenutka kada sam ih zamolio da me zaustave.
Međutim, Barclais je zatvorio moj račun samo nekoliko dana nakon ovoga i rekao mi da koristim uslugu prebacivanja u drugu banku jer me više ne žele kao klijenta. Bio sam klijent te banke od 1997. godine kada mi ju je mama otvorila sa 11 godina... jedini tekući račun koji sam ikada imao i to me je izazvalo poprilično.
Koristio sam uslugu prebacivanja u Lloids banku. Ubrzo me je ova gadna zavisnost ponovo pogodila i ubrzo sam se kockao. U septembru sam dostigao najnižu tačku. Izgubio sam posao od dvadeset godina i uspaničio sam se i napravio 27 depozita k 3 hiljade funti za 3 dana... većina njih u 5-6 komada u roku od nekoliko minuta. Izgubio sam £80k+.
Zatim sam blokirao kockanje na svom Lloids nalogu. Od tada sam se žalio da je ova plaćanja debitnom karticom trebalo da budu označena ranije s obzirom na njihov veliki obim i veliki iznos i činjenicu da su bila upućena stranom prodavcu koji je izgledao lukavo. Zaista, jednog dana me Lloids zapravo sprečio da više uplaćujem jer sam dostigao dnevni limit kartice, samo da bi se ovo ponovo postavilo sledećeg dana. Nema veze sa kockanjem, samo automatska blokada za veliki obim plaćanja.
Nikada nisam dobio telefonski poziv od Lloids-a ili bilo kakvu poruku „da li ste sigurni" u mojoj aplikaciji tokom ili posle. Supruga mi je pomogla da blokiram kockanje na mojoj mobilnoj aplikaciji... ali me to nažalost nije sprečilo da izvršim bankovne transfere na sajtove za kockanje nekoliko nedelja kasnije i izgubio sam još 20 hiljada funti u oktobru.
Uzimajući u obzir da Lloids nikada nije označio ovaj veliki obim plaćanja debitnim karticama kao problem, uprkos tome što je dostigao njihov dnevni limit i omogućio mi da nastavim kada se resetuje sledećeg dana
Uzimajući u obzir da Lloids nikada nije zvao ili pitao za moje blagostanje nakon što sam zaustavio svoju aplikaciju
Uzimajući u obzir da tada nikada nisu prijavili 4 lažna plaćanja od 5.000 funti, obavljena za nekoliko minuta, jednom stranom trgovcu kockanjem...
da li imam razloga da se žalim na to kako sam izneveren kao mušterija?
Štaviše, da li imam bilo kakav slučaj da se žalim na Barclais jer me je napustio kao mušteriju kada sam bio očigledno ranjiv zbog svoje zavisnosti. Da li je Barclais trebao učiniti više da kaže Lloids-u da sam sa gamstop-om / da imam blokadu kockanja na svom računu? Da li bi Lloids-u bio odobren pristup tim informacijama? Ili je to u potpunosti na meni.
Stalno sam čitao ovu temu i nisam bio naivan u vezi sa svojim problemom kockanja. Tražim terapiju, moja supruga sada ima kontrolu nad svim mojim finansijama i učim da se nosim sa novom realnošću da nikada neću povratiti gubitke.
Međutim, još uvek me grizu da su me možda i Barkli i Lojd izneverili ovde?
Svaki savet bi bio dobrodošao.
First time post. During Covid when stuck at home I became inflicted with a horrible gambling addiction for sports betting and particularly online casinos, regularly losing £10-20k in a 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 x £3k in 3 days... most of these in 5-6 chunks within minutes. I lost £80k+.
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 £20k in October.
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 £5k 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.
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