Gambling Debt Advice Uk
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25th February 2019Gambling Debt Advice Uk, other slot games like pharaohs way, hugh fraser star casino, poker 2 vs poker 3. Forum, moneysavingexpert.com and debt.co.uk examining data over the last 24 months. The comments provided insight into the daily lives and experiences of problem gamblers including gambling-related debt impacts, typical help-seeking behaviours and levels of debt for forty individuals with gambling problems. There might be local services that can help you. Your GP may be able to refer you to local services. Advice and support is available from Gamblers Anonymous Scotland and Gamcare. Getting Debt Advice. Even if you’ve gambled recently, get debt advice now. We’ve helped many people that have gambling debts.
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7th March 2019Many compulsive gamblers find themselves struggling with unsupportable levels of debt. Compulsive gambling can also exacerbate debt problems and, in turn, debt problems can drive addicts back to online casinos or bookmakers.
Many compulsive gamblers find themselves struggling with unsupportable levels of debt. Compulsive gambling can also exacerbate debt problems and, in turn, debt problems can drive addicts back to online casinos or bookmakers.
Compulsive gamblers often need to tackle their addiction and their debt problems at the same time in order to get a handle on things.
There are a range of Insolvency Solutions that can help people struggling with problem debt.
Speaking to a Debt Advisor can help light a path towards freedom from debt. To speak to a debt advisor today, call: 0800 611 8888.
Gambling addiction warning signs
There are a number of warning signs that you or a loved one might have a problem with gambling. These include:
- Using an overdraft or credit card to pay for gambling
- Missing payments to debts or important bills because money is spent on gambling
- Gambling to try and win money to pay off debts
Getting help with debt addiction
There are a range of services designed to help people tackle a gambling addiction.
Speak to your GP
This is often the best place to start. Especially if gambling is affecting your physical or mental wellbeing. Your GP can help talk through your options and give you information on local support services.
Get help from a charity
Charities can offer more specialist advice with gambling addictions. GamCare offers anonymous counselling online and over the phone every day.
Join a support group
There are a number of confidential peer-support groups like Gamblers Anonymous and SMART Recovery that foster a sense of community between recovering gambling addicts.
Consider self-exclusion
Many gamblers use self-exclusion to restrict their access to betting environments. Casinos, bookmakers and betting websites have their own self-exclusion schemes. GamStop is an industry-wide self-exclusion scheme that blocks access to many, but not all online gambling sites.
Getting help with debt
There are a range of tools and services to help you get out of debt. These include debt help tools from charities and advice services from citizenship organisations.
If you are struggling with severe levels of debt, then you may need to consult a Licensed Insolvency Practitioner. An Insolvency Practitioner will look at your debt situation and suggest the best course of action for your circumstances.
This may include a Personal Insolvency Service like an Individual Voluntary Arrangement (IVA), which allows you to pay back a portion of your debt over a fixed period.
For more information on Personal Insolvency Solutions or for debt advice, speak a member of the team today. Call: 08000 611 8888.
If you’re worried about your gambling or someone else’s, there are places you can go for support.
If you’re struggling with debt
Start dealing with your debts as soon as you can, as well as getting help to stop gambling. Our debt advice will help you:
- work out which debts to deal with first
- find specialist help, if you need it
Find out how to start dealing with your debts.
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If you want to stop gambling, the best thing to do is add your name to a list of people gambling companies aren’t allowed to serve. This is called 'self excluding' yourself - find out more about self exclusion on the GambleAware website.
If you’d like to talk to someone about your problem, you can:
- talk to an adviser from GamCare, a gambling charity
- go to Gamblers Anonymous meetings for group support
You can also:
- find out more about support you can get on the GamCare website
- find more strategies to stop yourself gambling on the Gambling Commission website
- download the free Gambling Therapy app - it’s a collection of strategies to help with gambling addiction
If you haven’t been paying your rent or mortgage
You should contact your landlord or mortgage lender as soon as possible - it can be tough, but if you ignore their warnings you could lose your home.
You can find out what to say to your landlord or what to say to your mortgage lender if you can't pay them back straight away.
If you’re worried about your partner’s gambling
You can’t be held responsible for any debts in your partner’s name.
If your partner has taken out debts in your name without you knowing, it’s fraud. You aren’t responsible for paying these back, but you’d have to report the fraud to the police.
You should keep an eye on your finances - your partner could be hiding the scale of the problem from you. If you’re not sure how to approach the situation you can talk to an adviser from GamCare.
If you have a joint credit card or loan with your partner
You’ll be responsible for those debts. Your credit rating can also be affected by your partner’s actions, because you have a financial link to them.
There are steps you can take to get on top of credit card and loan debts
If you have a joint benefit claim and your partner gets the money
You might be able to split the payments so your partner can’t gamble with your money.
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You’ll need to ask the people who pay your benefits and explain the situation. You can contact them using the details on any letters or emails you’ve got about your benefits.
If you own your home jointly with your partner
If your partner is in debt, the court could force them to sell their share of your house to pay them off. This could mean you have to leave, even if the debts aren’t in your name.
If you’re worried about this, you can contact the people your partner owes money to. Explain the situation to them and tell them what your partner is doing to tackle the problem.
Some companies can bend the rules for customers struggling with gambling problems. They might give you more time to pay or say you don’t have to pay some of the debt.
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If you were allowed to gamble when you shouldn’t have
Gambling companies shouldn't let you gamble if:
- you’re on the list of ‘self-excluded’ people - find out more about self exclusion on the GambleAware website
- you’re under 18
It’s legal to play The National Lottery and buy scratchcards at 16.
If you think you shouldn’t have been allowed to gamble you can complain to the Gambling Commission. They can take action if they think a gambling company hasn't followed the rules.