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Terry

Terry has a large amount of experience within the gambling sector. He has worked as a betting shop manager, played professional poker, and gambled on betting exchanges. After his daughter died unexpectedly, he started playing on the FOBTs to try and forget about his grief. Within two years he had lost his life savings. Terry is the co-founder of Don’t bet YOUR LIFE on it – a player-led safer gambling initiative, which aims to raise standards of player protection to reduce the harms caused by gambling.

Contributions

Show text version

I think the first thing we have to do, we have to separate sports betting and casino betting, casino games betting. So if we take an operator and I’ll just say it, it could be any operator. I’ll just say William Hill. So, if you open up a William Hill account now, you open it up and you may intend to only bet on horse racing or sport, but you will be offered bingo coupons, poker coupons, slot tournaments, all the rest of it, which is fine. But that kind of cross-selling to me, it lures people in too early. If I want to gamble on a casino I know where to go. If I want to gamble on sports betting, I’d have to go to a bookmaker, although I could use the exchanges. But in general, you use, you know, you’ll use one of the big names. And I think they have to keep people’s accounts separate. So, you’ll have two wallets, and you might allow people to sports bet but self-exclude them from the casino or the other way round. But just make it easier once it’s identified that a person is having problems in either or perhaps both, then you self-exclude them from either sports, either casino or both.

Terry
Gambling Companies
Show text version

The other year Caesars Entertainment were fined about eight million, which was quite a big win at the time. They just recorded 247 million in the last quarter. And, you know, it’s like fining Cristiano Ronaldo £20 for dropping a piece of chewing gum on the floor. Make it half a million and you’ll think about it. So, the fine has to be or say you can’t play football. You see, in horse racing when a jockey commits an offense they get a suspension. They can’t ride for seven days or a fortnight or longer, you see. And that makes them think twice about bumping into another horse or something like that. It might sound draconian, but if it’s a third offense. Then, you know, you’ve got plenty of warning. Fair warning. And boy oh boy if it ever happened to one big operator and let’s just say Paddy Power, let’s spread it about a bit. Paddy Power couldn’t operate for the whole of March when the Cheltenham Festival is on and all the football’s on and everything. There would be a lot of these gambling, responsible gambling teams getting together, saying we’re doing that, you know, we’re doing that, we’re doing that, we have the Gambling Commission watching us. Well, we don’t know because we’re not telling you. The Gambling Commission need a bit of balls as well to be able to get in there and say right, we’ve fined you, we fined you, we’ve fined you. No? We’re taking your license away now, guys.

Terry
Change
Show text version

I think that operators need to talk with lived experience more. They need to understand that although they’ve got to make a profit, and I take that on board, there’s not a problem with making a profit. There’s a way of making a profit. There’s a way of making it a sustainable business, not exploiting people. And I feel that personally I was exploited because people could have said, Whoa, whoa, whoa. The way I compare this is if you go into a pub, if I walked into a pub and they didn’t know me and I ordered a pint of bitter and drank it, they’d serve me another one. If I drank the next one, they’d serve me another one. But at a certain point, and let’s say six pints, maybe the landlord or the bar lady would just have a little, just keep their eye on me just to make sure. And then all of a sudden, if I start saying and doing silly things, they wouldn’t – they usually don’t serve you again. Yet, if I lose a thousand 2,000, 3,000, 4,000, 5,000, 6,000 with a certain bookmaker, they make it seven eight nine, 10, 11 and all the way up to 41. They never stopped me. It only stopped because I ran out of money. So, the point I’m making is why didn’t they intervene with me? And with many of the people I’ve spoken with, why didn’t they say right, nobody can lose more than £5,000. We immediately freeze that account. We don’t care if they’re a millionaire, a professional footballer or who they are. We set a number and I’m just throwing 5,000 out there as a number. It could be any number, preferably lower than 5,000 if it’s not 5,000 and then contact that customer, freeze the account and say, you know, “Mr X, Mrs X, you’re having a bit of a bad night. We don’t want you to lose your money. Can we help you?” You know? Now obviously, that customer might use profanities or one thing or another. But believe me, from the people I’ve spoken to, they say if those interventions would have taken place, they’d be in a better place now themselves. We may have all lost the money that we lost, but it might have taken 41 weeks rather than one week to lose it, which is a bit easier for the body to absorb, in my opinion. But I think they just need to take a much, much more responsible attitude towards their customers.

Terry
Gambling Companies
Show text version

Because obviously, playing a game of poker is totally different to any other form of gambling. You know, it really is skill although there’s a lot of luck involved, you know, and all the rest of it. But it is predominantly a skill-based game, and the fact that they then take people from that because I always say, like with the pub, you know, if I drink bitter, don’t put a vodka in front of me, I only drink bitter. I drink, but I don’t do vodka. So, it’s almost like I play poker, don’t put slots in front of me. Leave me alone. Don’t cross-sell, leave that line there. Your poker players should only get poker promos. You know, they shouldn’t get all that other stuff because it’s that other stuff that can cause the damage. You know, real bad damage

Terry
Change
Show text version

I think that operators need to talk with lived experience more. They need to understand that although they’ve got to make a profit, and I take that on board, there’s not a problem with making a profit, there’s a way of making a profit. There’s a way of making it a sustainable business, not exploiting people. And I feel that personally I was exploited because people could have said “whoa, whoa, whoa”. You know, the way I compare this is if you go into a pub, if I walked into a pub and they didn’t know me and I ordered a pint of bitter and drank it, they’d serve me another one. If I drank the next one, they’d serve me another one. But at a certain point, and let’s say six pints, maybe the landlord or the bar lady would just have a little, just keep their eye on me just to make sure. And then all of a sudden, if I start saying and doing silly things, they wouldn’t – they usually don’t serve you again. Yet, if I lose 1,000, 2,000, 3,000, 4,000, 5,000, 6,000 with a certain bookmaker, they make it 7, 8, 9, 10, 11 and all the way up to 41. They never stopped me. It only stopped because I ran out of money. So, the point I’m making is why didn’t they intervene with me?

Terry
Change
Show text version

So, at 15 I could get into a betting shop. But back in those days, there were no FOBTs in the betting shops. You’d just go in, have a bet on a horse, have a bet on a greyhound, have a bet on a football match and leave. So, I don’t think there was so much taboo about it. It was just the done thing, and I think I found myself good at sports betting, made a lot of money, then I ventured into the poker world, which was really exciting, it was sellable, it was challenging, it was rewarding. And I then played on Betfair for a couple of years and traded on Betfair with laying horses rather than betting them to win. I thought well if I think they’re going to lose, I’ll just lay them, you know, effectively become a bookmaker. And it was really good and really, really enjoyable. But as I said, sadly, I got addicted to these FOBTs and I was losing over a thousand pound a day and eventually I lost over a quarter of a million, which was everything I built up and lost my house. And it’s been a really difficult time recovering from that.

Terry
Harm
Show text version

I wanted to go into a betting shop where nobody would talk about what had happened. Generally, when people are in the betting shop, they just talk about the three o’clock at Kempton, or the weather, or the price of butter, or gambling stuff. And I could just sit there and just play and forget about what I was going through, but what it had done to me, and it lost – I’d lost the ability to feel the impact of losing the money. The money actually meant nothing to me so I could lose five hundred. It didn’t even touch the sides. I could lose a thousand. It didn’t even stop. Stop? No, I just wanted to carry on, carry on, carry on because whilst I was in there, I wasn’t at home thinking about other things. So, I purely used it as an escape from the real world as such. I never really enjoyed it, even though you could win £500 in one go I wasn’t trying to win money like I was with the gambling and the poker. It was just a very strange experience of just feeling this will make me feel not happy, but less sad. So sadly, it did for a short period of time, but it just really got out of hand where I was losing upwards of five and ten thousand a day, in fact, and one day I lost £41,000 which was clearly, you know, bad.

Terry
Gambling Experiences
Show text version

But I think the biggest thing that needs looking at is the amount of accounts you can actually hold. I don’t think a person should be allowed to have more than two betting accounts. The only reason why, in my opinion, they have multiple accounts is to get the opening offers, you know. All these companies, when you join, they offer you amazing deals, you know, deposit 10 and we’ll give you 50, for example. And those kind of opening offers means that people just have six, 10, 12 accounts. Then they’re bombarded with spam and emails and free bets and offers. So, by definition, they’re getting a lot of contact from operators individually for their business. And I just think that creates a lot of pressure and a lot of unwanted pressure for the gambler who might just want £5 on Red Rum in the three o’clock at New Market. They’re bombarded with poker and bingo, and they don’t know what to do, but they feel because of FOMO, you know this fear of missing out, “Oh, I must deposit another £10 today to get my free bingo ticket”. And then they go hang on, I don’t play bingo- ah but it’s free, so I’ll have a go. And it’s all these kinds of very clever manipulative enticements that all the operators offer. So, I would want somebody to have no more than two accounts.

Terry
Gambling Companies

I certainly want the banks to look a bit closer at how people spend their money because they can clearly see that if somebody’s on a low income is depositing a bit of a high percentage of their, you know, maybe over their disposable income, they just need to have a word and intervene. It’s difficult, but I think it’s necessary because they’ve got the overall view. If you know, if I have an account with William Hill, they don’t know how much I spend with Ladbrokes, Coral, Paddy Power, Sky Bet, whoever but the banks do. The banks can see this, so I think the banks could play a big part in that.

Change

There are far too many adverts on. Whether they’re on before nine o’clock, after nine o’clock, whatever channels they’re on, there’s too many of them. I think if they would have just been sensible and said, right, we’ll have the same amount of advertising as, you know, as food and drink and all the rest of it, but it’s bombarded… My concern is that youngsters as young as eight, nine and 10 following their team will see betting companies on the shirts. Although the logo shirts aren’t the same for the kids that they wear, they’re still seeing it. You see on the television; all you see around the parameter is betting adverts. So that needs to be nipped in the bud.

Change

And I’d also consider, although it’s going to take a long time, I would raise the age to 21 not 18. I think 21 is more in line with a person’s development. I think we’ve already seen it with the lottery, where it’s gone from 16 to 18 because of the scratch cards situation, so although it would take time, I’d like to see 18 to 21 and that’s what I’d look at.

Change

I certainly want the banks to look a bit closer at how people spend their money because they can clearly see that if somebody’s on a low income is depositing a bit of a high percentage of their, you know, maybe over their disposable income, they just need to have a word and intervene. It’s difficult, but I think it’s necessary because they’ve got the overall view. If you know, if I have an account with William Hill, they don’t know how much I spend with Ladbrokes, Coral, Paddy Power, Sky Bet, whoever but the banks do. The banks can see this, so I think the banks could play a big part in that.

Gambling Companies

There was an awful slogan that the operators put out called When the Fun Stops Stop. It’s still visible now. I mean, I didn’t ask to become an addict. And of course, I take some responsibility for it. But I do blame certain operators and I do, to a degree blame some of the banks for not intervening as well. But nevertheless, the player does have to take responsibility for their actions. But some of the products now are so highly addictive and combustible that people from the age of 18 to 80 are getting into problems, men as well as women.

You’ve only got to look at how outdated those numbers are to know that we’ve got a real serious problem with gambling in this country. I mean, I think at last count, there was close to 7,000 betting shops. There’s only twelve hundred McDonald’s. There’s only fourteen hundred Starbucks, for example, that kind of thing. We’ve got 7,000 betting shops and you’ve got your penny arcades and you know, your little, little sort of shops that offer you all these outlets and the youngsters are just exposed to it at a young age.

Gambling Companies

The moment you start, the more things you bet on in your portfolio, the more likely you are to be a chaser. And the more likely you are when you have a bad day, you’ll go to something that’s quick. So, what you’ll have is someone will be watching a football match, they’ll be watching another football match over there. They’ll be playing poker, playing the slots, got their phone and they’re doing five or six things at once. That’s just terrifying. Absolutely terrifying. What is it going to the brain? Was it doing to your thinking? Can you sleep? Can you concentrate? No, you can’t. You know, what is it? Remember they used to spin plates at the circus, you know, and it’s like that’s what it’s doing to your mind.

Gambling Companies

I think the first thing we have to do, we have to separate sports betting and casino games betting… So, if you open up a William Hill account now, you open it up and you may intend to only bet on horse racing or sport, but you will be offered bingo coupons, poker coupons, slot tournaments, all the rest of it, which is fine. But that kind of cross-selling to me, it lures people in too early. If I want to gamble on a casino I know where to go. If I want to gamble on sports betting, I’d have to go to a bookmaker, although I could use the exchanges.

Gambling Companies

These progressive jackpots aren’t very good that have got to be won by midnight every night because if they haven’t been won by 10 o’clock in the night, people are piling the money in late. They’re a really bad one they are. Paddy Power do them quite a lot. Oh, this jackpot must be won tonight, and they come on at half past 10; it still hasn’t been won, guys. So, people are thinking well, I think I’ll have a tenner on that. And then Channel 5 have the roulette on late at night on the television. I don’t know whether you’ve seen that at all. Half past 12, 21.co.uk, three hours of roulette live on television

Gambling Companies

They make it appealing, ‘have a bet with your mates’. You know, and all the rest of it, and Sweet Caroline and all this malarkey. What they’ve done, in my opinion, all of these operators, they’ve turned it in from an entertainment pleasure leisure, soft industry that could still have made them all a lot of money into a very harsh, brutal and damaging environment and landscape. But people now are not savvy enough to know when to stop. You know, they could be having a few drinks at home and the next thing, waaay, they’re pressing anything ‘Oh, how much have I lost? Oh, I don’t know’. And they wake up in the morning and they found that they deposited £1000 and lost it, and they don’t know what they did. It shouldn’t be happening… And that’s got to change, you know, and that mentality of the operators has to be forced to change.

Gambling Companies

The key to recovery groups is that you’ve got to start when people are in the formative years because that’s when it starts. And, you know, that’s why it needs to – and now that it’s become part of the curriculum it’s great. But I’ve got relatives who are teachers, and they have no idea how to get that message across as part of the curriculum. So that needs to be focused on to stop the youngsters who illegally gambling under the age of 18 becoming, you know, being, as I see it, groomed to become the next problem gamblers.

Change

I had one person say to a friend of mine well, all you’ve got to do is stop. Oh my god. All you’ve got to stop. What sort of an answer is that? When the Fun Stops, Stop. It’s too much because they make it sound so easy. Well, when your fun stops, stop. OK, I’ll stop. So, stop sending me emails. Stop VIPing me, you know? It’s a two-way thing, isn’t it?

Stigma

If I lose a thousand 2,000, 3,000, 4,000, 5,000, 6,000 with a certain bookmaker, they make it seven eight nine, 10, 11 and all the way up to 41,000. They never stopped me. It only stopped because I ran out of money.

Gambling Experiences

In hindsight, now, she said to me at the end, she said, “I wish you were having an affair”. Because I’d been not wilfully neglecting her, but accidently, I’m going to say accidentally neglecting the relationship, but you know oh, we’re going out on Friday with, you know, with Jane and Charlie, “Oh, no, I can’t. I’ve got to do a report for work”. I didn’t have to do a report to work. I was gambling, you know, and a whole host of what I was calling porky pies at the time because I was more interested in the gambling than going out with her. It wasn’t anything that was wrong with the relationship. It just meant that gambling meant more to me at that time than what the relationship did.

Gambling Experiences

I lost my daughter unexpectedly and that just transformed my life, and I lost my motivation and my interests, and it just fizzled out very, very quickly. And then sadly, the FOBT addiction took over… After what happened, I just lost a lot of interest in life, quite frankly. You know, I mean, it affected me in many ways, so it just fizzled out. The addiction drifted into my life, and before I knew it, I’d lost all my savings and home and found myself in a very bad place.

Gambling Experiences

I was falling behind with a lot of payments for things. And I realized I was in trouble now. I was probably down to my last £50,000 and I started to panic. I felt like a rising panic of needing to win… I didn’t know whether to start playing poker again or stop and just keep the £50,000. And I panicked and £41,000 in one day unexpectedly. And that ultimately left me with 13 pence in my account, which ultimately left me in a very bad financial and physical and mental place. I had a bit of a breakdown, suicide attempt. And that’s as close to rock bottom as you can get as far as I’m concerned.

Harm

I mean, it involved 123 days of not leaving the flat. It involved 123 days of what we now know is self-isolation where I lived in my own bubble, where I got rid of my phone, self-excluded from all the accounts so that if even I was tempted to have a £10 bet or whatever, I went round the betting shops and filled in all the forms to say, you know, don’t let me in and all the rest of it. I had my food delivered, had my medication delivered and I didn’t leave the flat for 123 days.

Recovery

I knew with the FOBTs I couldn’t win it back so there was a bit of common sense built in with a sort of relief that it was over, to be honest, because it was purgatory feeling, you know, the brutal days of losing five and ten thousand I thought were bad enough, but forty-one thousand in one day was a bit of, a bit of a heavy hit.

Recovery

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