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So phone StepChange and ask about your debt options. I signed up for Gamstop in January of this year and have been gambling free ever since. The refund from lloyds was paid with in two weeks of the complaint going to them! So they should have looked closer. The card was more a less maxed out for a while and I struggled to meet the minimum payments. Maybe talk to your DMP provider as well and national debtline. Make unfair intrest complaints being added to credit cards and personal loans after default. Can you please help with a template letter as you did so well with providing the complaint by guarator letter template on here. I have done a lot of affordability complaints with good success rate but against payday loans and a guarantor loan. The lenders will not bother you as long as you are keeping up with your payments. Was offered increases and through desperation no alternative , borrowed off cc. I think anything that levels the playing field, helps people in despair or prevents a more serious action by someone, can only be a positive. Good luck and best wishes. I read your post and was immediately worried about you. Also I missed quite a few payments for marbles in the last 12 months to now. I am literally paying the minimum each month just to keep them off my back and the interest they add puts me almost back where I was the month before. I received a default on my credit file from another loan back in January and a CCJ in October for unpaid rent from my university,but they still refused to lower the rate of APR on my account. If you win any of your affordability complaints, the balance you owe will be reduced and this will speed up your DMP. The best thing the Gambling Commission ever did was to introduce the Gamstop service. I had a gambling issue and used my Barclaycard extensively. There is. Catastrophic health issues, tried to borrow my way out of the mess using credit cards. Also, agree Step Change are awesome and a necessity in handling the first step of the financial mess. And credit to lloyds by far the best complaint process I have dealt with. And obviously if they are still adding intrest and charges to ask for that to stop straight away. I was only on 22k a year at the time. I did submit it to you last week. I would recommend that anyone, who is affected by an addiction to online gambling, takes the first step by barring yourself from it. I gambled heavily, online, for years and fell in to the payday loan trap, as a result. From onwards virtually all transactions made on t he card were gambling. Even if you only win a few, it would be really helpful in reducing your debt mountain. I have a similar situation. They somehow take the pressure off, even before they have bgun to sort out your affairs. My Experian credit score which was at the time is now ! Hi Chris, yes, I think I would qualify and will be writing letters next week to see how I can challenge some aspects. And, in some cases, you had even asked for lower interest rates. And last thing make sure your lender can provide a consumer credit agreement if they cant the debt is legally unenforceable and you cant receive a ccj for not paying there is nothing the creditor can do to collect the debt once the default date has expired after 6 years it will fall off your credit file as well. All they offered me is for me to make part payments but it would severely affect my credit score etc. The ruling from the fos stated that the post office bank of Ireland should of stopped intrest and charges on the day the account defaulted on my credit file along with receiving paperwork from step change debt charity would of shown them my financial problems. They refused time and time again. The good news is that you may be able to win an affordability complaint, saying that the card lenders increased your limit to an unaffordable level. Addition info to my last comment. Perhaps they should be but it is not a legal requirement. I put in multiple complaints to credit card and loan companies as they had all added intrest and charges after the account had defaulted and I was showing signs of financial problems they then carried on for 12 months adding intrest when I was in a debt management plan. Try not to panic. But here is what one reader said about taking a complaint to FOS:. The general complaint i made to all the lenders was basically unfair treatment and unfair intrest and charges being added after the account had defaulted and showing signs of financial problems, ie missed payments default dmp etc you then just ask for all the intrest and charges to be refunded to you. I often asked could they reduce the APR as for some customers they do. They will not put you down or make you feel stupid and the night following your initial contact with them, you will sleep more soundly than you have since your debts began to pile up. I speak as a gambler. Not sure what to expect. Anything I can do I will do, to make things better for my family. But having this weight of debt is a huge burden in your situation.

I asked several times to lower my interest, defaulted a couple of times and also they could see gambling on my account yet they still increased my credit limits.

I am no longer a gambler and want to move on from the whole thing. I have to accept that I must take responsibility for the gambling debt on credit card I have incurred.

If you then win complaints against the cards, the amount you owe will be reduced as some of the interest you have paid is refunded and interest should be frozen. If they had looked at your credit records they would have seen your escalating debts. If they had looked at the details of your account they would have seen gambling payments on the cards and the cash advances.

My current complaint about Amigo loans is now under investigation with the financial ombudsman and they have asked Amigo loans to freeze all action against me to the account is investigated.

Thankfully since I have cleared the balance now but the account is still open as they said closing the gambling debt on credit card will do me more harm then good. Gambling companion are now legally obliged to inquire about your income.

Which if your in a dmp would of been done by the dmp provider. Otherwise bankruptcy is the only option and this would both affect employment occupation is classified as sensitive category and renting, as this DOES impede housing options.

But these complaints can take a long while when they go to the ombudsman — possibly over a year. Do I have a chance to get anything back from them? A lot of the credit they offered me I was using to pay a Guarator loan for Amigo Loans so I was trapped in a circle of persistent debt. Again FCA guidelines if they did refuse put a complaint in and take them to the financial ombudsman service.

Please can I urge others who have positive experiences, strategies or helpful perspective to continue posting because it can be the difference between hope and gambling debt on credit card up!

If not, Https://list.russkie-video.online/card/casino-playing-cards-manufacturers.html would never had been able to pay off my debts.

I was taking cash advances to pay for food. I have been with them for about 30 months and they have done absolutely nothing to help me out. I gambled a lot on my Aqua card and they kept increasing my limits! People will judge, be a critic or believe they could have managed the situation far better.

Is there any point telling them about the gambling or complaining about affordability? I have not gambled for 18 months now, but I am left with this horrible debt that I cannot afford to pay.

You have to be very strict with yourself. I am in a similar situation not too dissimilar to yours. This is absolutely correct, all interest is supposed to stop once the account defaults.

Dan, thanks so much for your in-depth post. Once the debt you owe is no longer gathering interest and fixed payments have been set up preferably by Direct Debitit will be a easier to settle the debts. Make affordability complaints to payday lenders and high cost loans ie avant credit etc.

This is really interesting. Gambling companies are not legally gambling debt on credit card to inquire about your income.

The lenders should have checked that any increase in your credit limit was affordable.

Aqua is the biggest problem. In a Go here. Are you ok?

They rejected my complaint so it was sent to the ombudsman where its been upheld from an adjudicator and aqua are to refund me interest and fees from the 2nd time they increased the limits. The results of these complaints are not as reliable as for, say, payday loans. Hi Matthew no problem when your in a financial mess like I was I did tons of research into my rights etc you could be classed as a vulnerable consumer and your creditors would be expected to be sympathetic to your health situation and gambling debt on credit card be expected to do things like freezing all collection activity for 3 to 6 months to give you time to sort your health problems out.

Any advice from Sara would be great.

I hope in the future that gambling will be regulated like smoking, particularly in football. They knew you were only making minimum payments, sometimes even defaulting. I had no idea you could do them against credit cards too? I have a bit of experience with this and can confirm that once a credit credit or bank loan is registered in default and the consumer has signs of financial problems the lender should look to stop intrest and charges there is FCA guidelines regarding this. You have already made the first step by stopping the gambling very well done! Financial pressure is an extremely intense stressor. There is much more to do to protect vulnerable gamblers and the GC is a great body to lobby with any suggestions you have.