I find super what you do. Anyway, you have to take out a loan and pay the overdraft, otherwise you pay yourself in interest Dumm und Deppert says one in Bavaria. I would also try it at the house bank, if you already have 10 K Dispo then a medium installment loan is really not a big problem, and then Dispo down, best on 250 € or something. I would also be interested in whether you manage that the debts on the credit card are deleted
Anyway, keep up the good work and stay away from gambling.
i know exactly how you feel right now and I feel the same way, now I also have to pay back about 300 euros for 7 years, and wait with the account statements because they will reject it as soon as bookings from the casino are to be seen, with me it was rejected because of this although it was "only" about 1000 euros, I then simply sent in the account statements from the month before and it worked
And on the subject of gambling I wish you all the best and please try to remain steadfast, no matter how much you win and how often you then takes it that you leave it this time you will sooner or later gamble away again
Greetings Sonja
This post has been translated automatically
M****x
Topic Creator
Forum posts:26Member has been banned
I can no longer, life at the end
8th Nov. 2019, at 11:01 am CET#43
0 Likes
Nobody has liked this post so far
Thanks for your input guys, motivates me to keep playing!
Yesterday I got a very bad news. The Landesbank Berlin (my credit card where I have the 4,500 € gambling debt) has sent me yesterday a reminder and told me that if the debit note on 18.11.2019 my credit card will be canceled, a collection agency will be commissioned and that it will be reported to Schufa. Have then spoken with an employee of the Landesbank Berlin, this has me also mittgeteilt that in no case on the money is waived and that they can me only personally recommend the money to pay, because the bank will sue in any case. Now it is natural a pretty bad situation for me, what would you advise me! Should I pay or not? If I lose in court, I will have to pay another 2.000-3.000€ including collection costs. I would also have to pay at least 1000€ on 18.11.2019, as my limit is only 3,500€, also I was told that it is likely that my limit is throttled because they now also know about my gaming problem. I could pay the 1000€, but from my Dispo. I would then still have 2000€ on my Dispo "free". I am at the moment rather on the side to pay the money because I am afraid of the further steps and especially afraid of a Schufa entry, because I could forget my Debt rescheduling loan thus in any case
M11ax wrote on 11/08/2019 at 11:01: Thanks for your posts guys, motivates me to keep playing!
Unfortunately got some very bad news yesterday. The Landesbank Berlin (my credit card where I have the 4,500 € gambling debt) has sent me yesterday a reminder and told me that if the direct debit again burst on 18.11.2019 my credit card will be canceled, a collection agency will be commissioned as well as that it will be reported to Schufa. Have then spoken with an employee of the Landesbank Berlin, this has me also mittgeteilt that in no case on the money is waived and that they can me only personally recommend the money to pay, because the bank will sue in any case. Now it is natural a pretty bad situation for me, what would you advise me! Should I pay or not? If I lose in court, I will have to pay another 2.000-3.000€ including collection costs. I would also have to pay at least 1000€ on 18.11.2019, as my limit is only 3,500€, also I was told that it is likely that my limit is throttled because they now also know about my gaming problem. I could pay the 1000€, but from my Dispo. I would then still have 2000€ on my Dispo "free". I am at the moment rather on the side to pay the money because I am afraid of the further steps and especially afraid of a Schufa entry, since I could forget my Debt rescheduling loan thus in any case
What do you think? Pay or not?
Greetings
Why don't you want to pay? Because they are casino deposits and the legal situation is unclear? With credit cards, however, there is as far as I know a judgment that speaks against the player. I think there is also an article here somewhere.
Is now but no recommendation for or against, only what I have so in the back of the head or my to have read...
Edit : here https://www.gamblejoe.com/news/berliner-landgericht-gegen-rueckbuchung-kreditkartenzahlunge/
M11ax wrote on 11/08/2019 at 11:01: Thanks for your posts guys, motivates me to keep playing!
Unfortunately got some very bad news yesterday. The Landesbank Berlin (my credit card where I have the 4,500 € gambling debt) has sent me yesterday a reminder and told me that if the direct debit again burst on 18.11.2019 my credit card will be canceled, a collection agency will be commissioned as well as that it will be reported to Schufa. Have then spoken with an employee of the Landesbank Berlin, this has me also mittgeteilt that in no case on the money is waived and that they can me only personally recommend the money to pay, because the bank will sue in any case. Now it is natural a pretty bad situation for me, what would you advise me! Should I pay or not? If I lose in court, I will have to pay another 2.000-3.000€ including collection costs. I would also have to pay at least 1000€ on 18.11.2019, as my limit is only 3,500€, also I was told that it is likely that my limit is throttled because they now also know about my gaming problem. I could pay the 1000€, but from my Dispo. I would then still have 2000€ on my Dispo "free". I am at the moment rather on the side to pay the money because I am afraid of the further steps and especially afraid of a Schufa entry, since I could forget my Debt rescheduling loan thus in any case
What do you think? Pay or not?
Greetings
There are probably a few law firms that are familiar with this and the initial consultation is free (including by phone). Whereas as my pre-poster already wrote there is no big chance of success with credit cards in court, because there was already a judgment about it that said in the end about as much that the player is responsible for the payments.
In short my recommendation is that you pay and if the rate is too high address that again. Hopefully you have a good breakdown of the cost and interest rate so you know what needs to go first. Always focus on one main thing, that way you have intermediate goals that feel good.
Bite the bullet and pay the money. Let it be a lesson to you, and always keep in mind how painful it is to pay off this 4.500€ now
LBB is not bluffing, you have made the payments - and going to court against the bank is not advisable in your situation. Should you not be able to come to terms with paying the amount, for whatever reason - consult a lawyer and get advice.
You should pay in any case. So far, all chargeback attempts with credit cards have been to the disadvantage of the player. And the lbb is not bluffing - they will cancel your account and then you have the collection company on your neck.... All the best for you....
Falko wrote on 08/27/2019 01:52: I've never heard that you can also treat Gambling addiction with hypnosis. I would like to know if that can free you from the thought of wanting to gamble
Hello, I am a dry alcoholic, for gamblers there are also groups that work anonymously and belong to the anonymous alcoholics. Try it there, if not already done.
This post has been translated automatically
M****x
Topic Creator
Forum posts:26Member has been banned
I can no longer, life at the end
15th Nov. 2019, at 11:05 am CET#49
0 Likes
Nobody has liked this post so far
Short update again:
I am still game-free and it is much easier for me than I thought, thanks to hypnosis and the support group. Hypnosis helps me personally much better than a classic outpatient therapy. I have no experience with inpatient therapy. Maybe this is a suggestion to all those who are in the same situation as me!
I have now given in and agreed to pay with my credit card. So now sitting on a total of 30,000€ in Debt without any possessions like a car, apartment, etc. Must try to get my finances under control through a loan, so the loan I need as I said to get all the liabilities under one hat, it's just very hard to find a bank that gives me such a high loan due to my very, very bad Schufa score
Well I've brought the things myself and must spoon out the soup again alone
Have a nice weekend everyone and watch out for you and your gaming behavior
And Debt counselors are still out of the question? He will be able to negotiate more and after the first / second conversation he will take a lot of work off your hands.
30.000 € seems feasible. Depending on the situation within 3-5 years. The hardest time is the beginning, the Schufa score is adjusted every year.
Got a report the other day. My score in 2018 was 97.4 and although I now have more money it has dropped to 96.5. What was decisive for this I do not know
I can no longer, life at the end
Nobody has liked this post so far
Anyway, keep up the good work and stay away from gambling.
Wish you from my heart only the best
This post has been translated automatically
I can no longer, life at the end
Nobody has liked this post so far
i know exactly how you feel right now and I feel the same way, now I also have to pay back about 300 euros for 7 years, and wait with the account statements because they will reject it as soon as bookings from the casino are to be seen, with me it was rejected because of this although it was "only" about 1000 euros, I then simply sent in the account statements from the month before and it worked
And on the subject of gambling I wish you all the best and please try to remain steadfast, no matter how much you win and how often you then takes it that you leave it this time you will sooner or later gamble away again
Greetings Sonja
This post has been translated automatically
I can no longer, life at the end
Nobody has liked this post so far
Yesterday I got a very bad news. The Landesbank Berlin (my credit card where I have the 4,500 € gambling debt) has sent me yesterday a reminder and told me that if the debit note on 18.11.2019 my credit card will be canceled, a collection agency will be commissioned and that it will be reported to Schufa. Have then spoken with an employee of the Landesbank Berlin, this has me also mittgeteilt that in no case on the money is waived and that they can me only personally recommend the money to pay, because the bank will sue in any case. Now it is natural a pretty bad situation for me, what would you advise me! Should I pay or not? If I lose in court, I will have to pay another 2.000-3.000€ including collection costs. I would also have to pay at least 1000€ on 18.11.2019, as my limit is only 3,500€, also I was told that it is likely that my limit is throttled because they now also know about my gaming problem. I could pay the 1000€, but from my Dispo. I would then still have 2000€ on my Dispo "free". I am at the moment rather on the side to pay the money because I am afraid of the further steps and especially afraid of a Schufa entry, because I could forget my Debt rescheduling loan thus in any case
What do you think? Pay or not?
Greetings
This post has been translated automatically
I can no longer, life at the end
Nobody has liked this post so far
Why don't you want to pay? Because they are casino deposits and the legal situation is unclear? With credit cards, however, there is as far as I know a judgment that speaks against the player. I think there is also an article here somewhere.
Is now but no recommendation for or against, only what I have so in the back of the head or my to have read...
Edit : here https://www.gamblejoe.com/news/berliner-landgericht-gegen-rueckbuchung-kreditkartenzahlunge/
This post has been translated automatically
I can no longer, life at the end
Nobody has liked this post so far
There are probably a few law firms that are familiar with this and the initial consultation is free (including by phone). Whereas as my pre-poster already wrote there is no big chance of success with credit cards in court, because there was already a judgment about it that said in the end about as much that the player is responsible for the payments.
In short my recommendation is that you pay and if the rate is too high address that again. Hopefully you have a good breakdown of the cost and interest rate so you know what needs to go first. Always focus on one main thing, that way you have intermediate goals that feel good.
This post has been translated automatically
I can no longer, life at the end
Nobody has liked this post so far
LBB is not bluffing, you have made the payments - and going to court against the bank is not advisable in your situation. Should you not be able to come to terms with paying the amount, for whatever reason - consult a lawyer and get advice.
This post has been translated automatically
I can no longer, life at the end
Nobody has liked this post so far
This post has been translated automatically
I can no longer, life at the end
Nobody has liked this post so far
Hello, I am a dry alcoholic, for gamblers there are also groups that work anonymously and belong to the anonymous alcoholics. Try it there, if not already done.
This post has been translated automatically
I can no longer, life at the end
Nobody has liked this post so far
I am still game-free and it is much easier for me than I thought, thanks to hypnosis and the support group. Hypnosis helps me personally much better than a classic outpatient therapy. I have no experience with inpatient therapy. Maybe this is a suggestion to all those who are in the same situation as me!
I have now given in and agreed to pay with my credit card. So now sitting on a total of 30,000€ in Debt without any possessions like a car, apartment, etc. Must try to get my finances under control through a loan, so the loan I need as I said to get all the liabilities under one hat, it's just very hard to find a bank that gives me such a high loan due to my very, very bad Schufa score
Well I've brought the things myself and must spoon out the soup again alone
Have a nice weekend everyone and watch out for you and your gaming behavior
This post has been translated automatically
I can no longer, life at the end
Nobody has liked this post so far
30.000 € seems feasible. Depending on the situation within 3-5 years. The hardest time is the beginning, the Schufa score is adjusted every year.
Got a report the other day. My score in 2018 was 97.4 and although I now have more money it has dropped to 96.5. What was decisive for this I do not know
This post has been translated automatically