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Latest on Affordability Checks

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Replies: 492
By:
dustybin
When: 24 Aug 22 18:00
..and it IS ideological, just because a tory may join in with this imposed restriction doesnt mean it isnt, that is the difference between 'wets and dries'
By:
The Management
When: 24 Aug 22 18:00
Yes - of course they are collateral damage dusty. All the online bookmakers are running around like headless chickens trying to pretend that they do (and have) taken responsible gambling seriously. They are making it up as they go along!

Everyone involved in the game knows that in reality the complete opposite of "responsible" gambling is the foundation and strategy upon which they have built their business.
By:
dustybin
When: 24 Aug 22 18:02
The very nature of gambling is to be allowed to lose.
Thats all that matters, this crackpot imposition stops that and stifles the activity, hence you are either for it or against and you were very much of the former.
By:
The Management
When: 24 Aug 22 18:09
You keep putting words in my mouth (which are inaccurate) so that's annoying! You also keep lumping me in with imp123 and I don't think we share the same views, so that's annoying too!

These are some things I believe:

I believe there is an issue with problem gambling, I believe it needs to be addressed. I don't believe the govt or the regulator have the skill/knowledge/data to address it successfully. The only people with the skill/knowledge/data to address it successfully are the online bookmaker and they are NEVER going to do it.

So of course it's a mess and there is collateral damage.
By:
dustybin
When: 24 Aug 22 18:14
But the tiny minority with these arguable 'problems/habits etc' were saved by this course of action you thought was good, and anything like the decimation of the exchange as a result is what, fair game?
Did you ever, once mention individual responsibility?
And what of these 'saved' rather than the newely inconvienienced...are they really now saved do you know, while the likes of swad are stopped for the noble cause?
By:
dustybin
When: 24 Aug 22 18:16
I always called this what it was/is...an attack on the act of gambling in the guise of assisting weak willed losers.
By:
The Management
When: 24 Aug 22 18:18
And there we have it. You don't understand "problem gambling" or "addiction", to the extent that you don't actually believe they exist.
Coupled with the fact that you also have no knowledge of the (existing) gambling act and both of us are guessing what might be in the new one. It's a pointless conversation.

Do what I do. Don't deposit. Problem solved imo. GL.
By:
formoftheace
When: 24 Aug 22 18:19
Tell them to F off, unless you are an addict
By:
dustybin
When: 24 Aug 22 18:22
And that results in an ephemeral exchange mechanism, the short sightedness is now coupled with blithe inconsideration for the majority, bravo.
By:
dustybin
When: 24 Aug 22 18:24
Is swad a problem TM?
By:
The Management
When: 24 Aug 22 18:25
As I told you before - 2000 till about 2010 was a perfect storm. Licence to print. It was never going to last!

It's been dying slowly since then and this is just another factor.
By:
The Management
When: 24 Aug 22 18:29
dustybin24 Aug 22 18:24Joined: 29 Dec 08 | Topic/replies: 22,724 | Blogger: dustybin's blog
Is swad a problem TM?


I have no idea dusty - and I'd rather not get personal (he seems a nice enough guy). What all the impacted people seem to have in common is that they are losing and therefore depositing.

I don't have access to the data that would tell me if he or anybody else is a problem gambler or not. Only the on-line bookmakers have that data - and of course - rather than use that data to take the action legally required in the 2005 gambling act - they have been using it to exploit people instead. So here we are.
By:
dustybin
When: 24 Aug 22 18:30
That has nothing to do with the principle of the tail of the minority wagging the dog of the majority.

The whole approach is/was clumsy and arguably does nothing to save those few who were apparently a risk to themselves. How much data are MPs going to provide on the falling suicide rates...I bet very little, because they will still be killing themselves because it hasnt taught/fixed their problems.
By:
dustybin
When: 24 Aug 22 18:32
Running around attempting to stop people who refuse help doing one thing after another is not the mechanism to source out the (small) problem.
By:
The Management
When: 24 Aug 22 18:40
Agreed - the mechanism sits with the bookmakers. They know exactly who the problem gamblers/addicts are, so it would be very simple for them to just stop them (and only them) from playing!

Unfortunately, they have built their whole new business around a model that involves profiling and identifying those very people and then exploiting them to the full - so it's a conundrum isn't it!
By:
dustybin
When: 24 Aug 22 18:47
Not in my book it isnt, not when the facility to help oneself is there and sponsored by the bookie.
Had they not done that I might have agreed.
As it is the result of cutting the bits you personally dont like (and suspect dont ever bother with) are clearly too difficult if the end result is to leave the rest intact.

As I always said, the feckless could have been educated...instead the soppy arsed (il)liberals thought they could hit the bookies with free shots and have no extra damage to the wider public. They were wrong.
By:
dustybin
When: 24 Aug 22 18:53
And in conclusion, I also stated they never defined the difference between sports betting or slots, affordability doesnt only apply to slot betting it applies to all betting, so they couldnt even be arsed these MPs could they?
By:
CLYDEBANK29
When: 24 Aug 22 19:23
"They know exactly who the problem gamblers/addicts are, so it would be very simple for them to just stop them (and only them) from playing!
"

They might know who they are.  What they don't know is whether they can afford to lose
By:
CLYDEBANK29
When: 24 Aug 22 19:27
Gambling is irresponsible, so is drinking, so is smoking, so is boxing, so is rugby, so is motor racing, so is eating sugar .. and salt ... and fat .. and pizza ..chips
By:
CLYDEBANK29
When: 24 Aug 22 19:30
Being able to be irresponsible is progress.  It's freedom
By:
CLYDEBANK29
When: 24 Aug 22 19:33
That's not to say that checks should be made to people doing their absolute bollocks.  Just to check they are not proceeds of crime.  The current situation is absurd imo
By:
.Marksman.
When: 24 Aug 22 21:45
Agree, Clydebank.
This is 2020.  We have Russia rampaging through Ukraine, A national strike on the horizon, inflation going through the roof, a crime wave taking place while police cavort about wearing rainbow face paint and drive rainbow coloured cars.  More than a thousand illegals crossing the channel every day, possible power rationing this winter

.... and people are worried about how much gamblers earn and whether they can afford it.

These are the mad days that we live in.
By:
.Marksman.
When: 24 Aug 22 21:46
correction :  This is 2022 (so atleast we don't have Covid to worry about)
By:
screaming from beneaththewaves
When: 24 Aug 22 22:40
Point of order. Russia did indeed plan to rampage through Ukraine. Didn't happen.
By:
Gin
When: 25 Aug 22 12:36
https://www.spiked-online.com/2022/08/25/no-gambling-is-not-a-public-health-issue/
By:
formoftheace
When: 25 Aug 22 12:49
I doubt it will happen,they are after the roulette brigade the silly people who can’t stop playing roll-a-penny..
By:
CLYDEBANK29
When: 25 Aug 22 13:06
never heard the term usury before
By:
ItsMeSwaddle
When: 26 Aug 22 14:18
Yep cheers Dusty.

I sit somewhere a bit more in the middle of it all, to me the clear focus should be on idiots playing/spinning buying into games of chance Casino/Virtual/Bingo bla bla but ofc it isnt, that is where they make their funds, maybe thats not true, I dont know.

The other thing is its blatently obvious no commonsense is allowed to be used or they are too lazy to do so.

Someone with a 6fig bank allowed to lose 100 a month gambling is just bizzare imo but they are not worth arguing with this bunch however, better to just find a solution or give up.

Hopefully this just about closes they debate what they are looking for...its solid old fashioned income and will no doubt let you lose a % of it, we still dont know what that is sorry. I have heard a rumour you are allowed to lose 1% of your take home yearly salary a month. Therefore someone that takes home 36K after tax can lose 360quid a month.
By:
ItsMeSwaddle
When: 26 Aug 22 14:23
It also leads me to belive they firmly do believe that I am a problem gambler.

In the end I wasnt winning or losing, slightly up on the year...

But importantly churning away...laying big prices paying 50 pence to a pound a UK/IRE race to them.

By doing this they simply take away a "risk free" 100 pounds for themselves, ofc 100 quid a week to them is pishing in the wind but do it to enough people and it doesnt only add up it knackers up the eco cistern of the exchange, maybe just man v bot and who gives a fck now ey.
By:
freddiewilliams
When: 26 Aug 22 14:38
Any chance bedaq matchbok or smarkts for u swad
By:
ItsMeSwaddle
When: 26 Aug 22 14:45
Both theoretically but play in play so nah.

Good idea though.
By:
CLYDEBANK29
When: 26 Aug 22 15:13
Seeing as energy costs are going up by £200 a month per household does that mean by October you will need to win £100 a month to be able to continue gambling?
By:
Brian
When: 26 Aug 22 15:30
Just as well they don't have affordability checks on using electricity or gas.
By:
screaming from beneaththewaves
When: 26 Aug 22 16:20
Hopefully this just about closes they debate what they are looking for...its solid old fashioned income

This is the key takeaway from Swad's experience (and thank you to him for going through all rubbish with Customer Services on our behalf to find it out). If you're a full-time pro without official income who gets caught in the dragnet, don't even think about sending documents to Customer Services. At best you'll get nowhere; at worst you'll convince them that you do indeed have official income, and you'll be discussing the matter further with the Inland Revenue.
By:
longbridge
When: 26 Aug 22 16:39
@ItsMeSwaddle

"the clear focus should be on idiots playing/spinning buying into games of chance Casino/Virtual/Bingo bla bla but ofc it isnt, that is where they make their funds, maybe thats not true, I dont know"

Depends on the operator.  I just had a quick google for 2022 interim results - 888 (who now own WH) make the vast majority of their revenue from gaming rather than sports betting.  Flutter (BF/PP/SBG etc) make two-thirds or so from sports and a third from gaming.
By:
dustybin
When: 26 Aug 22 16:49
screaming
This has been done to death. The In Rev have no angle under the present law regarding gambling winnings, whether its your sole income and you never lose or just 1 big win, it's still not a profession.

In swad's case there is a grey area where he clearly has made it difficult for bf to make a decision. If he was winning a bit more frequently he might have had some kind of lieniency who knows?
By:
dustybin
When: 26 Aug 22 17:11
*You dont pay Income Tax on capital, you pay Capital Gains...but betting isnt buying an asset that raises or lowers in value, so theres no tax.
By:
screaming from beneaththewaves
When: 26 Aug 22 17:14
Dusty, I know all that. So does the Revenue. The nightmare is the Revenue having a go anyway, just to join in the anti-gambling fun.

But I'm not really talking about taxation of punting profits here. I'm talking about revealing your general finances to a state-backed audit, and that audit deciding that your finances do count as income. That what you'd always known were gambling winnings and no concern of the Revenue suddenly becomes unaccounted for income.

If you really are a full-time pro, then you really, really don't want to do anything to rock the boat with the Revenue. The fact that you're in the right doesn't matter one bit. You simply don't want that battle.

Just quietly pack things up and slip away to the racecourse, where you can bet in cash. We'll all be ending up there anyway at this rate. Who's going to be left to win money off on here?
By:
Jumping-cuckoo-monk
When: 26 Aug 22 17:15
My sis has turned £750 into £11k at the Tote and now they are asking for all sorts
Email says it's a legal requirement for wage slips assets etc
IS IT A LEGAL REQUIREMENT? or just the tote t&cs?
TIA
By:
dustybin
When: 26 Aug 22 17:15
The IR wont, the council might try it on under certain circumstances but a letter from a solicitor will warn them off.
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