Gambling Addiction & Debt

Written by PayPlan on 7 July 2018

I recently read about a man who has gambled since he was 12 years old. He believed he needed to gamble in order to survive. He is now older and married with 2 children, yet he still gambles. His wife does not know that he gambles and if he loses a bet, he gets moody with her. However, he is not sure if he has a problem. Does this sound familiar?

The guy gambles with money he hides from his wife, so whether he wins or loses he cannot talk about it because he has hidden the addiction from his family Along with hiding the addiction, he also has to hide his frustration or his excitement if he wins. He says life is boring if he doesn’t gamble.

Initially when people start to gamble they do not expect it to turn into an addiction, however, it does happen. Before you know it, you are kidding yourself with excuses that you have it all under control, yet the truth is, you have lost control to the addiction.

People gamble for a number of reasons:

  • Survival
  • For the buzz and excitement
  • To socialise or to be part of the crowd
  • To escape from real life and situations

I’m sure there are more reasons that can be added to the list, but for whatever reason people turn to gambling, this can cause problems in real life.

People with a gambling addiction generally find themselves in a heap of debt and have no idea what to do about it. Gambling debt reveals two problems, firstly there is the addiction, and secondly there is the problem of getting out of the debt hole. Thankfully, there is a solution for both.

Free help is available for both gambling debt and gambling addiction. If you can accept that you have a problem then you already half way to finding the solution. The next step is to talk about it.

Online websites such as Gamcare offer advice on gambling addiction and include an online forum for people who are looking to find ways to deal with their issues. You can chat anonymously to others who have experienced, or experiencing similar problems to yourself without embarrassment.

Debt Questions also has an online forum where you can talk to other members who have also experienced debt issues due to gambling. You can talk to them and find out how they dealt with their debt and addiction.

Payplan offer free help and advice on gambling debt. No matter what your problem, there is always a solution, you just have to be ready and willing to allow people to help you. You have heard the saying “You can lead a horse to water, but you can’t make it drink”? Well, anyone can tell you what you need to do, but it’s up to you to do it.

Sometimes it is the hardest thing in the world to admit you have a problem and ask for help, but if you can bring yourself to do that, then you are on your way to not only resolving your financial situation, but regaining control of your life.

So if this is you, take action by taking control!

Are you spending more than you want to on gambling?

A financial crisis is often the spur for someone to address a problem with gambling. You may find that you are struggling to cover bills or other vital expenses, taking out loans to cover gambling debts, and hiding it all from those closest to you. It is not uncommon for family and friends of someone with a gambling problem to be completely unaware of gambling-related debt until a court summons arrives for non-payment, or in dire circumstances even repossession orders for the family home.

Financial problems can mount up very quickly. Bills don’t get paid, debts accumulate. If you have credit cards, you might max them out to pay your bills, or worse, to keep gambling.

At this point, payday loans may look like a solution – but their high interest rates and charges are likely to make the situation worse. A common dilemma for someone with a gambling problem is how to get out of debt. For many, the chance to continue gambling in order to win it back and make everything alright again can feel overwhelmingly tempting. It might also feel as though there is no chance of repaying debts accrued through gambling unless you carry on gambling – you feel completely trapped.

In the end, if you’re struggling to control your gambling, losing more money and making the situation worse is almost inevitable. Taking control of your debt problems and exploring your relationship with gambling can be very empowering. When you have a better understanding of why you find it difficult to control your gambling, you can begin to address other issues your gambling has created, and even move towards stopping gambling altogether.

Remember, be honest with yourself and share your problems with friends or family. Their support may help you to seek help for your gambling problem and advice about your debts. Get help The path to clearing your debts can take time and you may be faced with different pressures along the way.

There will be times when you may feel desperate to gamble. For expert information, advice and support about problem gambling, speak to specially trained Advisers on the National Gambling HelpLine on Freephone 0808 8020 133 or via web chat at www.gamcare.org.uk, available from 8am – Midnight, seven days a week.

GamCare also offer free online or face-to-face counselling for anyone affected by problem gambling, and their online Forum and Chatrooms are available daily. Visit www.gamcare.org.uk for more information.

A confidential support group, such as Gamblers Anonymous, where people with gambling problems meet to support each other each week, may also be helpful.

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This article was checked and deemed to be correct as at the above publication date, but please be aware that some things may have changed between then and now. So please don't rely on any of this information as a statement of fact, especially if the article was published some time ago.

77 thoughts on “Gambling Addiction & Debt”

  • Nicky

    July 21, 2006 at 8:48 am

    You need to get some debt advice. Its hard to give a solution without knowing your circumstances.

    Generally, you would pay your creditors what you can afford based on monies that is available from your monthy income after your priority payments have been paid.

    You have a few options to begin with – Contact Payplan would be one of them… you could also go over to Debt Question where there is a forum full of people in similar situations.

    You can anonomously ask questions and people will be willing to offer their help.

    Whatever it takes to help you find a solution.

    Cheers

    Nicky

    Reply Report comment

  • Clive Sayers

    September 21, 2008 at 12:56 pm

    Due to my addiction I have fallen into nearly 50k in debt and 5 k of that is overdraft can that be addressed to.

    Reply Report comment

  • Paul

    September 22, 2008 at 8:22 am

    Hello Clive

    Yes, an overdraft is classed as unsecured debt in the same way as a personal loan or credit card (unless it’s part of a ‘one account’ style bank account that’s tied in with your mortgage – this requires careful consideration). So you can include your overdraft debt in a Debt Management Plan (DMP) or Individual Voluntary Arrangement (IVA).

    It is then always safer for your income to place it in a new basic bank account with someone to which you don’t owe any debts – further advice can be found here:

    http://www.payplan.com/weblog/2008/05/01/problems-opening-a-new-basic-bank-account

    It may be best for you to discuss you debt problem with someone from Payplan directly on 0800 9177823 or online here:

    http://www.payplan.com/debt-calculator/debt-calculator.php

    Hope this helps
    Paul

    Reply Report comment

  • Clive

    July 30, 2009 at 11:11 pm

    After following your advice back in September,I am now in a Protected Trust Deed for three years,the Scottish equivalent to an IVA.Thanks for your advice….

    Reply Report comment

  • Gemma

    April 10, 2012 at 10:24 am

    If you are struggling that we would advise that you seek some free debt advice. You can call us on 0800 2945205 or fill in our online form and we will call you back. http://www.payplan.com/debt-help/ Let us know how you get on.

    Reply Report comment

  • lynda

    October 3, 2012 at 9:53 pm

    hi i want to phone to try get help on my debts the problem is i dont want my husband to know. he has his own bills/ car / loans/ and even has to pay for parking at work and at home so he dont no what mess ive got in. how would i get help with just my things and based on my own income ? plus im 32 week pregnant and feel very stressed out!

    Reply Report comment

    • Gemma

      October 4, 2012 at 9:34 am

      Hi Linda,

      thank you for your comment, I have contacted your directly.

      Gemma

      Reply Report comment

  • Lee

    November 27, 2012 at 4:22 pm

    I have had a gambling addiction for around 7 years now and I’m only 24 years old. I managed at one stage to stay clear of it for around 12months but it soon dragged me back in. I have got deeper in debt than I could ever have imagined, I owe around £40,000 to loan sharks and have absolutely no way of paying it back when they want it back. My whole life is ruined and a complete mess and just don’t know where to turn or what to do, I feel like my days are numbered as I’m running out of time. Please help!!!!!

    Reply Report comment

    • Gemma

      November 28, 2012 at 9:37 am

      Hi Lee,

      I have contacted you directly, I hope you have received my email.

      Many Thanks
      Gemma

      Reply Report comment

  • Johnny Tonthat

    December 15, 2012 at 5:36 pm

    Hello whomever it may concern, my uncle has a very bad gambling problem and he recently took everything out of this bank account to try to break even and now he has no money to pay back the bank or to buy the supplies he needs to work. So I need some advice or assistance, I am also aware that he can seek gambling debt advice but they’ll probably just tell him something he knows already. Please help.

    Reply Report comment

    • Gemma

      December 17, 2012 at 8:20 am

      Hi Johnny,

      Thank you for visiting our website and for your comment. I have replied to you directly, I hope you have received this ok.

      Many Thanks
      Gemma

      Reply Report comment

  • Ste

    January 7, 2013 at 1:38 pm

    Hi I too have a severe gambling Problem I owe all kinds of money but I have just slipped off the radar no bank account no Official adress I am attending GA meetings and hopeful it will help menovercome this illness but I don’t think I will properly overcome it if I don’t face my debts and deal with them in an honest manner any advice Please

    Reply Report comment

    • Gemma

      January 8, 2013 at 9:57 am

      Hi Ste

      Thank you for your post. The first thing you need to do is contact someone who will be able to help you with your debts. You can call us on 0800 2945205 or fill in our online form and we will call you back http://www.payplan.com/debt-help You will then need to work our how much you owe and who you owe money to. From there we will be able to look at what repayment options are available to you.

      Many Thanks
      Gemma

      Reply Report comment

  • Chris Flynn

    April 3, 2013 at 9:42 pm

    I have recently for myself in a 10k worth of debt through gambling, on credit cards, loans, and overdrafts, it has spiraled massively and lost everything should I tackle my overdraft first but think moving my wage into a new account would be a good idea its just tackling the intrest that is the problem

    Reply Report comment

    • jane

      April 4, 2013 at 9:28 am

      Hi Chris,

      Thank you for your post. The first thing you need to do is contact someone who will be able to help you with your debts. You can call us on 0800 2945205 or fill in our online form and we will call you back http://www.payplan.com/debt-help You will then need to work our how much you owe and who you owe money to. From there we will be able to look at what repayment options are available to you.

      Many Thanks
      Samuel

      Reply Report comment

  • Adrian

    April 13, 2013 at 8:28 pm

    I have been struggling with gambling debt for about 7 years. In total I think I owe about £6000 – £7000. The problem is for many years I gave u just ignored letters and phone calls because it brings back horrible memories of when I used to gamble, is there any way I can find out who I owe money to and any help I can get in talking to them because I am so scared

    Reply Report comment

    • Samuel

      April 15, 2013 at 9:56 am

      Hi,

      Thanks for your comments and for your query.
      The first thing you need to do is contact someone who will be able to help you with your debts. You can call us on 0800 280 2816 (Mobile calls may be cheaper on 0207 760 8980) or fill in our online form: http://www.payplan.com/debt-help and we will call you back.

      If you have any statements or any kind of information from your creditors it would be helpful in enabling us to contact your creditors, but upon initial set up of any plan we will contact your creditors to establish debt levels.
      If you feel that you need help with gambling itself, here are some useful numbers:

      Gamcare’s HelpLine (8am – midnight, 7 days a week): 0808 8020 133

      Gamblers Anonymous Live Operator phone/time list: http://www.gamblersanonymous.org.uk/index.php/live-operator

      Please do not hesitate to contact us if you require any further information or assistance.

      Kind regards,
      Samuel

      Reply Report comment

  • nick

    May 31, 2013 at 1:40 am

    Hi,

    I really need help tackling gambling and debt. Through my gambling addiction I have a number of pay day loans anything to help get me more money. I recently got paid and took it all and lost it. I left myself with 20 pound to survive for the month
    I am worried about bailiffs cause I live with my sister so it’s not even my stuff then will take. I am only 20 I don’t want all this and can’t manage. Is there anything I can do.

    Reply Report comment

    • Samuel

      May 31, 2013 at 9:20 am

      Hi Nick,

      Thank you for your query.
      The first thing to do is contact someone about your debts. You can call us on 0800 280 2816 (Mobile calls may be cheaper on 0207 760 8980) or fill in our online form: http://www.payplan.com/debt-help and we will call you back.
      One of our friendly staff will be able to talk you through everything that we can do and discuss options.

      If you feel that you need help with gambling itself, here are some useful numbers:

      Gamcare’s HelpLine (8am – midnight, 7 days a week): 0808 8020 133

      Gamblers Anonymous Live Operator phone/time list: http://www.gamblersanonymous.org.uk/index.php/live-operator

      Please do not hesitate to contact if you require any further information or assistance.

      Kind regards,
      Samuel

      Reply Report comment

  • M

    October 9, 2013 at 7:46 am

    Can someone contact me by email as I cannot talk on the phone please

    Reply Report comment

    • Samuel

      October 23, 2013 at 11:43 am

      Hi,

      Thanks for your comment. I have e-mailed you directly.

      Kind regards,

      Samuel

      Reply Report comment

  • Samuel

    November 1, 2013 at 10:19 am

    Hello,

    Thank you for the inquiry.
    I have e-mailed you directly, please check your e-mails.

    Please do not hesitate to contact me should you require any further information or assistance.

    Kind regards,

    Samuel

    Reply Report comment

  • paul

    November 7, 2013 at 1:37 pm

    I have got a gambling problem need help?

    Reply Report comment

    • Samuel

      November 8, 2013 at 10:46 am

      Hello,

      I have e-mailed you directly with some information and contact numbers.
      Please can you check your e-mails.

      Don’t hesitate to contact me should you require any further information or assistance.

      Kind regards,

      Samuel

      Reply Report comment

  • Emma

    November 29, 2013 at 7:03 pm

    Hi I’ve developed a serious gambling problem & now got over 15 thousand pound in credit cards & a personal loan. I’m addressing the gambling assiction at GA meetings but the stress of all my debt is making me poorly. Im really embarrassed & ashamed to admit how I got the debt so been trying to pay it off but can only afford the min payment each month. Any advice?

    Reply Report comment

    • Samuel

      December 3, 2013 at 10:02 am

      Hi Emma,

      Thanks for your comments and for your query.

      The first thing you need to do is contact someone who will be able to help you with your debts. You can call us on 0800 280 2816 (Mobile calls may be cheaper on 0207 760 8980) or fill in our online form: http://www.payplan.com/debt-help .
      One of our friendly staff will be able to talk you through everything that we can do and discuss options.

      Kind regards,

      Samuel

      Reply Report comment

  • shelley

    November 30, 2013 at 12:12 am

    Im currently in debt by up to 30k. My husband hasn’t got a clue and its making me so down. I dont want ti tel him as he has he own finances with car loan mortgage. Can I apply for payplan just for me and based on my wages.?

    Reply Report comment

    • Samuel

      December 2, 2013 at 11:04 am

      Firstly, Thanks for your comments and for your query.

      Regarding the help that Payplan can provide, you can of course make inquiries, seek further advice or sign up to a plan – we would specifically only deal with you or whomever you authorise and would never speak to anyone without your say so and authorisation – security is of the utmost importance at Payplan.

      Regarding this, the first thing you need to do is contact someone who will be able to help you with your debts. You can call us on 0800 280 2816 (Mobile calls may be cheaper on 0207 760 8980) or fill in our online form: http://www.payplan.com/debt-help .

      One of our friendly staff will be able to talk you through everything that we can do and discuss options.

      Thanks,

      Samuel

      Reply Report comment

  • James

    December 13, 2013 at 5:43 pm

    Hi there could anyone tell me what the situation is with bailiffs when you live at home with your parents. Are they legally allowed to take things that belong to your parents. I have debt of about £1500 that my parents dont know about and I am worried they will find out and more importantly, worried that their stuff would be taken. I, myself dont really have any proper assets.

    Reply Report comment

    • Samuel

      December 16, 2013 at 11:17 am

      Hi James,

      No, they are not allowed to take things that belong to your parents.

      They may well turn up though so your parents will need to be aware and it is important to know whether these are county court bailiffs for a county court judgment or magistrates court bailiffs for a fine as they have different powers. Do you have a court judgment? Without being in default of one of these no bailiffs can ever attend.

      I hope that help, but do not hesitate to contact us again – you can ring our FREE helpline number (Monday – Friday 8am – 9pm and Saturdays 9am – 3pm) on 0800 716 239.

      Kind regards,

      Samuel

      Reply Report comment

  • David

    October 22, 2014 at 8:29 pm

    I have had a massive gambling problem for the last 8 years, I want to quit now and never gamble again.

    Reply Report comment

    • Rich Wells

      October 23, 2014 at 7:45 am

      Hello David
      Thank you for contacting PayPlan. I’m sure we will be able to help you. Please give us a call on our free phone number: 0800 280 2816 (Mobile calls may be cheaper on 0207 760 8980) or fill in our online form: http://www.payplan.com/debt-help and we will call you back.

      Thanks
      Rich

      Reply Report comment

  • Casey

    October 30, 2014 at 10:05 pm

    Hi
    I have a serious gambling problem and also in debts to different creditors. I also owe money to family members and friends. This is making me very sad and sucidal. I’m now getting help with my debt and on add it management plan. My main concern is my gambling is out of control. I would spend all my wage end of each month on online casino’s. Now I have no money to pay for my out goings and have to rely on payday loans. I really want to stop gambling and want to have a happier life.

    Reply Report comment

    • Rich Wells

      October 31, 2014 at 3:38 pm

      Hi Casey,

      Thank you for getting in touch and we’re really sorry to hear that you are going through a really difficult time and we really want to help. You mentioned that you are already in a debt management plan which is a great start. If you are with us, can you let me know your reference number and your case officer will contact you to discuss more options with you. If you are not with us, please do give our free helpline a call on 0800 280 2816 who can go through all your options with them.
      In the meantime, give Gamcare a call on their free number 0808 8020 133 to get help tackling your gambling addiction.
      I really hope to hear from you soon.

      Reply Report comment

  • R

    February 28, 2015 at 9:38 am

    Hi i have got myself into a right mess through gambling. I owe a family member 6000. What can i do i cant get out of the deep hole im in 🙁

    Reply Report comment

    • Rich Wells

      March 2, 2015 at 9:58 am

      Hello R,

      Please do not worry. I would suggest you contact our helpline on 0800 280 2816 or 0207 760 8980 via a mobile who will be able to discuss your options. We also work closely with GamCare who can help you with any gambling issues you may have – http://www.gamcare.org.uk/
      Hope this helps
      Thanks
      Rich

      Reply Report comment

  • thomas a

    March 19, 2015 at 5:12 pm

    Hi,

    I have a similar situation im 22 and started gambling when I was 18. At one point I had a lot of money and couldnt stop wining it helped me with a deposit for a nice car and even paid for a holiday but now I have completely lost control and im in about 10k debt because of it. Which im struggling to pay back whilst living an ordinary lifestyle. My girlfriends and family dont have a clue and I cant bare to tell them to get help.
    can you help at all?

    Thanks

    Reply Report comment

    • Rich Wells

      March 23, 2015 at 8:38 am

      Thomas,
      Please do not worry. I would suggest you contact our helpline on 0800 280 2816 or 0207 760 8980 via a mobile who will be able to discuss your options. We also work closely with GamCare who can help you with any gambling issues you may have – http://www.gamcare.org.uk/
      Hope this helps

      Reply Report comment

  • sebastian

    July 17, 2015 at 7:37 pm

    i have some serious problems due gambling,is it possible to talk via e-mail?

    Thank you.

    Reply Report comment

    • Jane Clack

      July 20, 2015 at 12:44 pm

      You can use our webchat facility or email help@payplan.com or call our Helpline on 0800 2802816. We can provide advice on your debt issues and signpost you for help with the Gambling as both need to be done at the same time.

      Reply Report comment

  • z

    August 28, 2015 at 10:59 pm

    Help.
    May not seem like much to most.
    When I was working I use to gamble around 50/100 a month.
    Now I’ve had to stop work and on benefits I can’t stop gambling in the hope I win some extra money.
    I have a 90 overdraft limit that was set due to bank charges and pending payments to online gamblers.
    I’m currently 150 overdrawn/60 over my limit with 35 bank charges due out on the 1st.
    I have two small children.
    I’m managing to provide for them no problems.
    It’s myself for food.
    Noodles and egg fried rice is what I’m living off have been for the past week.
    I really want to stop but can’t seem to.
    I’m worried about the money I’m overdrawn.
    I don’t get much each month to pay for everything 185 is my rent and shopping money.
    I got my income support today and that went on covering some of the overdraft and kids food.
    My family don’t know I’m 24
    Help please so desperate.

    Reply Report comment

  • iman lama

    February 25, 2016 at 4:15 pm

    i am iman from nepal and this addiction has made me feel i am nowhere and this loan that i owe to people is making me crazy and i dont have time to deal with it my family wants to help in a way but i am going out of time and all the pressure i am going through is making me scared .i need help how can i get rid of these problem, iam ready to do anything and live a simple life .

    Reply Report comment

    • Jane Clack

      February 29, 2016 at 12:39 pm

      I am so sorry to hear this. I would strongly suggest you contact Payplan on 0800 2802816 as calls are free to this number even from mobiles – they can help with the debt issue. A trained adviser will be able to give you tailored advice and put your mind at rest as there are things which can be done. You have done the bravest thing which is facing it. Gamblers Anonymous would be able to help with the addiction so please contact them – http://www.gamblersanonymous.org.uk/

      Reply Report comment

  • T

    March 22, 2016 at 9:36 pm

    Hi, is there anyway I could speak to someone via email? I really could do with some help and don’t currently have access to a phone

    Reply Report comment

    • Jane Clack

      March 23, 2016 at 11:34 am

      I am going to email you now!

      Reply Report comment

      • T

        March 23, 2016 at 11:47 am

        That would be great, thank you.

        Reply Report comment

        • Jane Clack

          March 23, 2016 at 11:58 am

          It’s gone! If you email me your address back I can put them in the post too!

          Reply Report comment

  • Sheila

    March 24, 2016 at 9:24 am

    My mom gambles and has pay day loans how can I stop the pay day loans giving her more loans when she’s gambling? Is there a gambling law policy etc to stop pay day loans for her. Please can u email as can’t talk on phone currently

    Reply Report comment

    • Jane Clack

      March 30, 2016 at 7:30 pm

      You cannot stop the payday loans giving her money if she is applying willy nilly although they should be checking credit files now. If she is paying back the loans they are not automatically going to stop – you need to talk to her about this and suggest she seeks some counselling and ask for her permission for you to contact the payday companies to let them know she is a vulnerable customer – the FCA – the new regulatory body – is extremely keen that creditors should treat all customers fairly and have measures in place to protect vulnerable customers.

      Reply Report comment

  • Frazer

    June 24, 2016 at 3:07 pm

    Hi, I’m roughly around £6000 in debt due to gambling. I owe to roughly 7/8 payday loan lenders and I’ve got no chance of paying them back. I have missed payments in the last week are so. And feel horrendous can anyone help me please? 🙁

    Reply Report comment

    • Jane Clack

      July 12, 2016 at 5:49 pm

      Do remember that there is now a cap on roll overs on payday loans – one can never pay back more than twice what you owed.

      Thge first thing to do is stop using credit to gamble with – also seeing a counsellor such as those at Gamblers Anonymous – as one can get rid of the debt but the underlying problem has to be resolved so it does not continue.

      You should make a list of all the money you owe to all the creditors you owe it to and then work out how much you can afford to pay them – this is done by drawing up a budget.

      If you live in the UK I would strongly suggest you contact Payplan on 0800 2802816 as calls are free to this number even from mobiles – a trained adviser can give you tailored free advice for your specific circumstances.

      Reply Report comment

  • Steve

    August 25, 2016 at 11:25 am

    Hi I have a terrible gambling problem and its destroying my life and other people round me it has to stop. I’m about 15k in debt and don’t know where to turn too

    Reply Report comment

    • Jane Clack

      August 27, 2016 at 10:06 pm

      You have takern the first step by admitting the problem so the next thing you need to do is stop the gambling – seek advice from Gamblers Anonymous or Gamcare and they can support you with this. With regard to the debt problem you need to look at solutions to get rid of the debt if you are unable to repay it back in a reasonable time at a rate you can afford.

      If you call Payplan there are trained advisers there who will be able to chat you through things confidentially and direct you towards the best solution for you.

      Reply Report comment

  • Gary

    September 3, 2016 at 1:22 pm

    I have ran up debts close to £12,000 through gambling, i owe credit cards, loans that my mam has had to get for me, payday lenders, overdraft the lot! Im currently adressing the problem but paying close to all my wages out, i cant ask my mam nd dad for more money i owe them a lot too, i just dont know where else to turn

    Reply Report comment

    • Jane Clack

      September 5, 2016 at 10:46 am

      I would strongly suggest you contact Payplan on 0800 2802816Â FREE as calls are free to this number even from mobiles – they can help with the debt issue. A trained adviser will be able to give you tailored advice and put your mind at rest as there are things which can be done. You say you are addressing the gambling problem which is the first part – now you need to see how you can get rid of the debt at a rate you can afford. There is nothing to lose by trying as our service is free, confidential and there is no obligation.

      Reply Report comment

  • Abra

    April 20, 2017 at 7:02 pm

    Absolutely terrified about 14000 in debt due to my gambling. I can’t talk on the phone…my husband doesn’t know anything. Please help
    I can only pay about 150 a month…..

    Reply Report comment

    • Jane Clack

      April 20, 2017 at 8:19 pm

      Abra- do not despair. You can do something but also need to move on the gambling so see your GP and see if he can make a referral for you to help with this.

      I am going to send you my email address and a copy of the financial statement we would go through over the telephone so you can fill it in and send it back to me to discuss it with you.

      Reply Report comment

      • A

        April 20, 2017 at 8:27 pm

        Thank you Janet. Lost hope…I can’t cope anymore…
        I’ve got suicidal thoughts.

        Reply Report comment

        • Jane Clack

          April 21, 2017 at 9:52 am

          It is just money and it can be sorted. Get the information back to me as soon as you can and we can discuss further. Take care

          Reply Report comment

  • Kenny dickons

    June 4, 2017 at 1:28 pm

    Hi I’m in £70000 in debt trough gambling iv been gambling since I was a young lad but in the last 5 years I’ve got this debt I’ve come clean with my partner and I’m going for gambling help this week I’ve already got a debt management plan for about £56000 and now I’ve got more debt of about £12000 I’ve been in touch with my DM company the girl I spoke to give me a telling off for taking more debt on I have to ring back on Monday I never told her I am a compulsive gambler what can I do

    Reply Report comment

    • Jane Clack

      June 5, 2017 at 6:03 am

      Hello Kenny

      I am pleased to hear that you are now going for help with the gambling as without this help you would never be able to get out of debt.

      You say you have got a DMP for £56,000 and have managed to obtain more credit during this period. I am glad you have been upfront with your DMP provider – I do hope it is one that does not charge you for doing this – and it would be sensible now to let them know that you have an addiction that you are now working on. That in itself is a great step forward.

      It may be time to think of other options unless you are in a position to clear this debt in a reasonable period of time – we do not know whether your creditors have frozen interest and charges and how long you have been in a plan or how much you have paid off. Be honest with yourself and the DM company and if you wish to see if there are other options, ask them. You could also give Payplan a ring on 0800 280 2816 where a trained adviser can give you free, no obligation and confidential advice or email me more details at jane.clack@payplan.com

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      • justyna

        June 6, 2017 at 6:25 pm

        He needs help directing me to an institution that will help me with my debt. I want to repay everything, there is a lot, because of gambling most institutions are withdrawn. Is it possible to talk to someone in Polish?

        I’m a gambler wanting to get out of this and pay my debts. But it’s been a lot and I do not know how to deal with it.
        Please help thanks for the time and information
        Regards
        Justyna Wasielewska

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        • Jane Clack

          June 7, 2017 at 8:09 am

          I have replied to your previous post. We do not have a dedicated Polish speaker but if you get in touch we can perhaps direct you to a local organisation such as a Citizens Advice Bureau in your area who may be able to help.

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  • justyna

    June 6, 2017 at 6:14 pm

    Hello
    I need help
    I would like to talk to someone
    I’m a gambler wanting to get out of this and pay my debts. But it’s been a lot and I do not know how to deal with it. Please help

    Reply Report comment

    • Jane Clack

      June 7, 2017 at 8:06 am

      You need to talk to someone re the gambling as that is the first problem to get help with and then contact a free organisation such as Payplan to discuss the debt issue so you can see the best solutions moving forwards. Contact Payplan on 0800 280 2816 which is free even from mobiles or you can email us if you wish or contact me directly on jane.clack@payplan.com – the service is free, confidential and costs nothing and we are here to help.

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  • tina

    July 8, 2017 at 11:20 am

    hello there,
    I am gambler i finnaly force myself to blocked every casino webside, but now problems starts, I use my husband name and took all payday loans , credit cards on his name , so we are in debp about 6000 but is everything on his name and he doesnt jnow , because I was thinking i will winn moneyy back, I already misses payment on credit card, i got in touch with payday loans, they excepted my offers but i dont know what to do with credit card, can they do somenthing if i am unable pay full amont monthly, i can pay only half.

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    • Jane Clack

      July 9, 2017 at 3:45 pm

      Yes, they can. I am sorry but I am going to have to be quite stark in what I say here.

      They can issue defaults etc and your husband will find out as it will be his credit rating that is affected as the card is in his name. To put it bluntly you have committed fraud. You do need to explain the situation to him – and explain you are doing the best you can to repay things. Addiction is an illness – are you seeking help for this with a group such as gamblers anonymous – as this will be of help when it is explained? He may be able to help you get the payments up to date and make them in future – and get rid of the card. His credit rating may already have been affected due to the missed payments.

      I am so sorry you are in this position but stopping the gambling – which you have done – is the first and the biggest step. The next is sharing it so your husband is affected as little as possible. I shall also respond to the email you sent me.

      Reply Report comment

  • John

    August 16, 2017 at 2:11 am

    Helio,I have been addicted to poker for the last 10,years,I got into debt once but managed to clear it when I received a small inheritance.My wife and family helped me through this period.Me being stupid got myself addicted again[my fault ]I owe mbna about £10,500 but I do not pay interest until 2020′.mybarclaycard about £6000, I pay interest for the first £2500,the rest is interest free till July 2018.Capital one about £700.Halifax credit card about £1700,My wife does not work as she is a fulltime carer for her mother{Alzimers]for the last 13years,I am a male,61years old in fulltime employment,doing my budgit,I should be able to save at least £300 a month,whilst paying these debts.I am to ashamed to tell my wfe and family, should I just plod on as I am,any advice would be great,to an idiot like me Thank you

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    • Jane Clack

      August 16, 2017 at 1:45 pm

      The first thing you should do is actually seek help for the addiction – easier said than done but it is easy to get trapped into a vicious cycle and you have taken the first step by actually telling us.

      Can you cover the minimum payments as if not then you should seek further advice on these – you can call us on the number on here and get free and impartial advice. If you do have further money available then I would strongly advise on paying more than the minimum monthly payments – especially those on the higher interest rates to get those down and do the same with the 0% ers. Look at your budget closely – are you being realistic in the figures you have down – if you are you could pay more to the higher interest ones and save to pay off large amounts on the 0% so you do not end up paying lots of interest there.

      Reply Report comment

  • Peter Burgess

    August 24, 2017 at 2:00 pm

    Hi.. I’ve been gambling since 11.. I am now 24 and have 13 creditors with a debt of abput 17k.. i havnt been paying any of them for about 12 months.. and am getting extremely worried of the impact this may be causing.. apparently I cannot get an iva if gambling is on my bank statement… their must be another way…? #help

    Reply Report comment

    • Jane Clack

      August 25, 2017 at 8:53 am

      Hello

      It is not true that you cannot do an IVA if gambling is on your bank statement but it is if it is still on current bank statements if you are still gambling. Creditors are not going to agree to write off debt if it looks as if the underlying problem is still going on. I am hoping you are seeking advice and help with the addiction as that is the first step. The creditors are not going to go away so you can start by letting them know you are trying to resolve the issue. If you give Payplan a ring, a trained adviser will be able to talk you through things and give you options. They are non judgmental – as you are not alone – and the service is free and confidential but you do need to work on the underlying reasons. Good luck.

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  • James

    September 6, 2017 at 1:51 am

    Hi im an addicted gambler im currently in 200k of debt and dont know what to do i owe tax vat and wages and cant even pay for my home my ex wife is demanding child maintenance which im now behind with every day the phone rings its my ex wife familt members and friends who i owe money to. I cant go to ga meeting as i live in a small town and it doesnt have them as ironically its still not recognised as an addiction. I really am in a spot here and feel that their is only one way out i cant sleep or eat because of the guilt and shame i feel. Its hard to believe that two years ago i had a happy marriage succesful business good friends and a loving family and ive lost it all even my dad wont speak to me please let this be a warning to other folk stop if uts not to late.

    Reply Report comment

    • Jane Clack

      September 10, 2017 at 11:38 am

      I am sorry to hear about this – contact Gamblers Anonymous via email to find out where there the nearest centre is or speak to your GP. I would strongly advise the latter anyway. The Samaritans are also a non judgmental ear.You are not alone, James. It is an addiction like others.

      You can get rid of the debt by going bankrupt – if you cannot pay for your home and it is mortgaged then this is not going to make too much difference. If you have lots of equity – then you should consider selling. If you do not have enough to pay off all your debts you could perhaps offer a full and final lump sum in settlement.

      If you do go bankrupt then you are likely to get a bankruptcy restrictions undertaking which will preclude you from getting further credit for extra time without telling the lender but you will have got rid of most of the debt except CSA maintenance.

      It may be a draconian step but it will allow you the fresh start you deserve and you can start again without an unsustainable burden of debt. You can turn your life around and many people have done so, so take heart.

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  • Sarah Paszkowski

    December 30, 2017 at 11:48 am

    Hello,
    Not really sure how many years I have been gambling but it’s been on and off for several years. I owe companies and family money from the problem and probably in about £4,00 total debt.
    I think I have been in denial as have never asked for help but instead asked to borrow money to try and get out of debt but instead got further into debt.
    I have recently spent £950 which was meant to be for food, bills, petrol by now have nothing for the month. I cannot go to family or friends as neither can help, so very stuck and extremely stressed. Please help!

    Reply Report comment

    • Jane Clack

      January 5, 2018 at 8:18 am

      Hello Sarah
      Thank you for your post. You have made the first step by actually admitting there is a problem. You do need now to seek help for the addiction – contact Gamcare 0808 8020 133 – they are open 7 days a week from 8am to midnight – http://www.gamcare.org.uk/get-support/frontline-services/helpline and can also be contacted online at http://www.gamcare.org.uk/support-and-counselling/frontline-services/netline. They can provide you with the support you need.

      With the debt issues you need to look at how to reduce the debt at a rate you can afford whilst leaving yourself enough to live on. You could give us a ring on the number on the Payplan page as this is free even from mobiles. I have also sent a copy of our repayment arrangement guide to the address you have provided.

      Reply Report comment

  • Gambling and Debt Worries? Free Help – Debt Advice Bristol

    July 18, 2018 at 8:59 pm

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