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Affordability check trigger

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Replies: 137
By:
The Management
When: 09 Feb 23 12:19
Dave - All the indications (from Scully) etc are that the mechanisms already exist to assess an individuals financial situation in a non-intrusive (frictionless) way.

The only people suggesting an across the board £100/month limit were the hard-line anti-mob - any yet despite all the outrage and the push back that is what all the bookmakers seem to have chosen to voluntarily adopt!
By:
dave1357
When: 09 Feb 23 12:23
The £100 figure first appeared in the GC consultation.
By:
dave1357
When: 09 Feb 23 12:27
This is the GC's guidance:

Affordability and a customer’s personal circumstances



2.8 Historically, gambling operators have not systematically considered customer affordability when developing their customer interaction policies. Many have used deposit or loss thresholds as a main or sole prompt for a customer interaction, but these have often been set at levels that were inappropriately high, in comparison to the average amount of money that the majority of people have available to spend on leisure activities. This has led to a number of examples of customers spending more than they could afford, and this not being identified sufficiently early, as seen in much of the Commission’s compliance and enforcement casework since 2017.



2.9 Operators should aim to identify those experiencing or at risk of harm and intervene to try to reduce harm at the earliest opportunity. Reliance on deposit or loss thresholds that are set too high will result in failing to detect some customers who may be experiencing significant harms associated with their gambling. It is therefore imperative that threshold levels are set appropriately.



2.10 Open-source data exists which can help operators assess affordability for their GB customer base and improve their risk assessment for customer interactions. Thresholds should be realistic, based on average available income for your customers. This should include the Office of National Statistics publications on levels of household income.



2.11 In considering these thresholds, you should be aware of the difference between ‘disposable income’ and ‘discretionary income’ which refers to the amount left after living costs are taken into account, but it does still include many other unavoidable costs. Most people would consider it harmful if they were spending a significant amount of their discretionary income on gambling.
By:
The Management
When: 09 Feb 23 12:28
It did. But it was the bookmakers and especially the Racing Post that seized upon it as though it was gospel!

In light of everything that has ever been said by the minister and/or the GC, any bookmaker that is restricting customers to £100/month and/or demanding documents (in an "intrusive and Draconian" mannerLaugh) is doing so completely of their own volition.
By:
Brian
When: 09 Feb 23 12:31
Trident - I will share something with the forum, Poker related: 888 UK Limited ( Cosmos, Cval, R) Date 27Dec 2022 Reason For Credit Check Gambling Affordability Assessment

I suspect different gambling companies (i refuse to call them by their traditional name) will have different procedures. Personally, I would have no problem with them checking my credit status as that seems a sensible non-intrusive step.
By:
dave1357
When: 09 Feb 23 12:31
I'm not wasting my time with you, when you are wrong you won't admit it.

It is absolutely clear that bookies are acting on what they consider to be the GC's guidance. And Andrew Rhodes is being extremely misleading.
By:
The Management
When: 09 Feb 23 12:35
I'm no fan of anybody at the GC dave - but I think all parties have done more than their fair share in terms of being deliberately misleading!
By:
dustybin
When: 09 Feb 23 13:04
TM is a fooking danger to all on this place, he's so full of his anti bookie vendetta that absolutely everyone who adds anything counter to his vindictive BS he says are wrong, yet flaps around when shown himself to be wrong.

This from the man who openly admits he thinks AC checks are good, that he doesnt care if theres a significant material impact on people caught in the middle and will absolutely never admit individuals need to be self responsibile and/or seek out the help available and tell bookies to stop sending them info or even stop them betting as they are a danger to themselves....and inadvertently anyone else.
By:
The Management
When: 09 Feb 23 13:08
This obviously won't happen and I certainly don't want it to happen - but what would be f'kin hilarious and extremely ironic, in light of all the previous delays and in all likelihood more delays to come; Minister Number six (or maybe number seven by then) arrives on the scene and decides this current system that the bookmakers have completely voluntarily chosen to adopt has worked jolly well! - Lets make that the foundation of the new legislation - £100 monthly deposit limit across the board for every customer, no exceptions unless providing, P60, Wage slips, Bank statements, Mother-In-Laws vital statistics, etc!

All that propaganda, deliberate deception, deliberate inconvenience, deliberate abuse of their customers, etc - and then they get hoisted by their own petard!
By:
The Management
When: 09 Feb 23 13:12
Poor old dusty - doesn't understand the topic - but still needs to let off some daily steam before it explodes him.
By:
dustybin
When: 09 Feb 23 13:13
Thats TM in a nutshell

If it were to go badly then he shrugs his shoulders and disappears, having been the gobsheit that said everyone else involved in the industry were tilting at windmills and concerned over imaginary threats.

WAC
By:
dustybin
When: 09 Feb 23 13:15
Dave has the right idea...just to ignore you, insignificant worm.
By:
Trident
When: 09 Feb 23 13:17
My credit rating is P**s Poor!. Question to the forum: How does this in any way relate to what I consider to be an amount per month I can afford to gamble with as a responsible adult? I've always had in place deposit limits and loss limits per month...

Thoughts welcomed
By:
The Management
When: 09 Feb 23 13:22
Dave and I might not see eye to eye on everything dusty - but at least he understands and has some knowledge of the topic. You just want to blame "the commies" regardless of the subject. BlushLaugh
By:
dustybin
When: 09 Feb 23 13:27
Ive shown you countless ways why your theory is horse5hit and why all the origins of this attack on gambling has this newage illiberal leftie ideology behind it thats extremely ill thought through, not that either you or them give a 5hit about that, always suggesting everyone is a bookie mole when all we want is to be allowed to make our own choices.

Like I said you are a danger to people wanting to gamble given the fact you think people do need inconveniencing to pander to minorities unilaterally.
By:
The Management
When: 09 Feb 23 13:39
More ideology and anger, a bit of name calling and a lot of false quotes attributed to me.

But have you got any actual input? - apart from burying your head in the sand and hoping it goes away?

It's happening now! - and all you have to offer is that "it shouldn't be" because it's out of whack with your political/ideological beliefs! ShockedLaugh
By:
dustybin
When: 09 Feb 23 13:44
Ive spent far more time than most bother with your waffle TM, thats why I get angry at your floppy arguments.
You are the one who wants to shout down anyone who provides data on the subject in this method of denying how badly this focus on gambling can be....the result of anti gambling lobbyests who used slots to create a narrative and then lumped all gambling in with it.

Now do FO because Ive have more interesting piles than you.
By:
The Management
When: 09 Feb 23 13:47
The Management09 Feb 23 13:39Joined: 27 Dec 00 | Topic/replies: 8,626 | Blogger: The Management's blog
More ideology and anger, a bit of name calling and a lot of false quotes attributed to me.


That is all you have got then.
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