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12:22pm Friday 8th January 2010 in
STANDING in a bookmaker’s, Cliff Bryant thought that a heavy snowfall had changed his life forever.
Told by the cashier that his two accumulator bets had come in, Cliff was set to scoop £7.1m.
But his hopes were dashed when officials at Ladbrokes’ head office told him that he was owed just a measly £31.78 – because according to the company rulebook this specific type of bet should never have been accepted.
Now Cliff, from Shirley, Southampton, intends to seek legal advice.
It comes after he placed two £5 accumulative bets on postcodes where it would snow on Christmas Day.
Although he says that he was advised to do so by the cashier, Ladbrokes argues that it was a mistake and that he should never have been allowed to place the bet as an accumulator.
A money-spinning accumulator bet is a series of wagers where the winnings from the first bet roll over to the next and can only be won when all separate bets named are successful.
But Ladbrokes says that according to its rules the bets should only have been accepted as a single bet and therefore Cliff was entitled to just over £30 as winnings.
The bookmaker does not dispute that Cliff was correct in each of his bets, and another bookmaker, Paddy Power, confirmed that he would have won £4,922,800.31 on the first bet and £2,233,492.73 on the other.
The graphic designer, 52, said: “Gutted is not the word.
“This is a genuine mistake and if I make a mistake in my work like that it costs me dearly and I think the offer should be a lot more generous than they have made.
“Millions of pounds will have been spent on this bet at Christmas. How many of those people will have been allowed to place accumulators?
“They are one of the leading bookmakers in the country and I think they ought to do their homework a bit better in future.”
Cliff has now called on Ladbrokes to make its rules clearer as they were not made obvious to him either in the shop or online.
The Independent Betting Adjudication Service (IBAS) is now investigating the bet.
Danny Cracknell, adjudication manager at IBAS, quoted a section from the Ladbrokes rulebook which said: “Single bets only are accepted, accumulative bets accepted in error will be settled as singles with the stake equally divided.”
Ladbrokes spokesman David Williams said: “We have apologised to the customer for any confusion and for mistakenly accepting an accumulator bet when our own rules state that only single bets are available on a market of this nature.
“We are happy to void the bets and to pay the customer his winnings on the relevant singles.”
Last night an independent solicitor said that Cliff ’s chances of seeing his winnings were slim.
Rick Munro, commercial dispute resolution partner at Lamport Bassitt, said: “Generally speaking gaming bets are largely unenforceable. You rely on the goodwill of the people you are placing the bet with.
“There are some exceptions to this but the general rule is he wouldn’t have a leg to stand on.
“It’s about one of the only contracts in public policy where the contracts are unenforceable.”
An accumulator is a single bet linked to a number of other wagers. For a person to win, each single bet must all be correct.
As such the winnings from a small stake are likely to be high, although there is less chance of guessing all bets correct.
In this case, Cliff placed two bets. The first on 13 different postcodes having snow at some point of Christmas Day. The other was similar but with only 11 different post codes. All of those bets came in and in theory Cliff won the accumulator and he thought £7.1m.
1. Newcastle upon Tyne
2. Durham
3. Darlington
4. Bradford
5. Harrogate
6. Leeds
7. Wakefield
8. Huddersfield
9. Halifax
10. Cleveland
11. York
12. Derby
13. Stockport
1. Carlisle
2. Lancaster
3. Preston
4. Bolton
5. Oldham
6. Wigan
7. Manchester
8. Stockport
9. Warrington
10. Crewe
11. Telford
Comments(41)
Rudd Gillett
says...
12:30pm Fri 8 Jan 10
bogie
says...
12:36pm Fri 8 Jan 10
Stykxx
says...
12:41pm Fri 8 Jan 10
southampton_till_i_die09
says...
12:42pm Fri 8 Jan 10
arthur boutfaith
says...
12:43pm Fri 8 Jan 10
Stykxx
says...
12:44pm Fri 8 Jan 10
MrWoody83
says...
12:51pm Fri 8 Jan 10
Rudd Gillett
says...
12:52pm Fri 8 Jan 10
MrWoody83 wrote:I get your drift!
He wont get paid out. They would have offered set odds for an accumulator of that sort, its a specialised bet. Bookies do not have to honour bets placed and that is speaking from personal experience!.
Reality-man
says...
12:54pm Fri 8 Jan 10
southy
says...
12:58pm Fri 8 Jan 10
Cyber-Fug
says...
1:04pm Fri 8 Jan 10
southy wrote:I take it that you know the complete details of the bet then Southy ?...... I cant see anywhere where it mentions the details of the complete bet....
if you look at the rules, snow bets for xmas day are for the following citys only, london, edinburgh, cardiff, belfast and you may add dublin. and can be betted on has a multi singles bets or accumulative of 2's, 3's, 4 and 5 if you added, or a dublin, combination of all those types of bets, and only 3 of those citys had snow on xmas day. the snow must fall on top of that city weather centre. all other locations can only be taken has a local bet and can not be in a betting form of accumulative bet, singles only and again it must fall on top of the local weather centre.
this is where he slip up.
ÚTS
says...
1:08pm Fri 8 Jan 10
Reality-man wrote:This is quite obviously only part of the article - hence the big red letters saying "For more see today's Daily Echo."
Nice thorough report from The Dily Echo! Name and shame - which Branch?
oy oy sava-mpton boi
says...
1:31pm Fri 8 Jan 10
southy
says...
1:40pm Fri 8 Jan 10
Cyber-Fug wrote:its a standard weather bet that all major bookie work by. check the bookies rule book. or ask over the counter, i have done this bet before, but stop doing this when i ask over the counter what the rules are.
southy wrote:I take it that you know the complete details of the bet then Southy ?...... I cant see anywhere where it mentions the details of the complete bet....
if you look at the rules, snow bets for xmas day are for the following citys only, london, edinburgh, cardiff, belfast and you may add dublin. and can be betted on has a multi singles bets or accumulative of 2's, 3's, 4 and 5 if you added, or a dublin, combination of all those types of bets, and only 3 of those citys had snow on xmas day. the snow must fall on top of that city weather centre. all other locations can only be taken has a local bet and can not be in a betting form of accumulative bet, singles only and again it must fall on top of the local weather centre.
this is where he slip up.
jimbobbo
says...
2:05pm Fri 8 Jan 10
arthur boutfaith wrote:does this mean I can get a refund on my lost bets in future? bunch of crooks
No bets are enforceable in a court of law
jimbobbo
says...
2:07pm Fri 8 Jan 10
southy wrote:Did you even read what Cyber-Fug wrote? He asked if you knew the details of the bet, not the rules of betting, you mug.
Cyber-Fug wrote:its a standard weather bet that all major bookie work by. check the bookies rule book. or ask over the counter, i have done this bet before, but stop doing this when i ask over the counter what the rules are.
southy wrote:I take it that you know the complete details of the bet then Southy ?...... I cant see anywhere where it mentions the details of the complete bet....
if you look at the rules, snow bets for xmas day are for the following citys only, london, edinburgh, cardiff, belfast and you may add dublin. and can be betted on has a multi singles bets or accumulative of 2's, 3's, 4 and 5 if you added, or a dublin, combination of all those types of bets, and only 3 of those citys had snow on xmas day. the snow must fall on top of that city weather centre. all other locations can only be taken has a local bet and can not be in a betting form of accumulative bet, singles only and again it must fall on top of the local weather centre.
this is where he slip up.
and if you do this bet take fix odds, because the odds will drop if it gets really cold just before xmas, like it did with this xmas just gone.
and if you do the post code weather bet make sure that post code has a weather centre, it only takes a single snow flake to fall on the weather station, the bookie rely on report coming back from the weather centre. and if that weather centre is unmanned on xmas day they cant prove that a single snow flake has fallen on top of the weather centre.
the complete rules are very long winded, like there is a max a bookie can pay out on a single day bet.
Derek of Dibden Purlieu
says...
2:26pm Fri 8 Jan 10
jimbobbo wrote:Back in the 70s when the roads were resurfaced every three days and those fun loving scamps in the Unions used to stop the country every week, this sort of bet was paid out in the height of summer but Mrs Thatcher changed all that when she came to power in an attempt to persecute the working class but the rich don't pay their fair share of the Council Tax.....blah, blah, blah, blah...
southy wrote:Did you even read what Cyber-Fug wrote? He asked if you knew the details of the bet, not the rules of betting, you mug.
Cyber-Fug wrote:its a standard weather bet that all major bookie work by. check the bookies rule book. or ask over the counter, i have done this bet before, but stop doing this when i ask over the counter what the rules are.
southy wrote:I take it that you know the complete details of the bet then Southy ?...... I cant see anywhere where it mentions the details of the complete bet....
if you look at the rules, snow bets for xmas day are for the following citys only, london, edinburgh, cardiff, belfast and you may add dublin. and can be betted on has a multi singles bets or accumulative of 2's, 3's, 4 and 5 if you added, or a dublin, combination of all those types of bets, and only 3 of those citys had snow on xmas day. the snow must fall on top of that city weather centre. all other locations can only be taken has a local bet and can not be in a betting form of accumulative bet, singles only and again it must fall on top of the local weather centre.
this is where he slip up.
and if you do this bet take fix odds, because the odds will drop if it gets really cold just before xmas, like it did with this xmas just gone.
and if you do the post code weather bet make sure that post code has a weather centre, it only takes a single snow flake to fall on the weather station, the bookie rely on report coming back from the weather centre. and if that weather centre is unmanned on xmas day they cant prove that a single snow flake has fallen on top of the weather centre.
the complete rules are very long winded, like there is a max a bookie can pay out on a single day bet.
bigronthestaff
says...
2:56pm Fri 8 Jan 10
SomersetSaint
says...
3:18pm Fri 8 Jan 10
Reality-man wrote:Local branch would be irrelevant as major pay-outs would be handled by Ladbrokes head office. Also, they have a maximum win/pay-out rule (which used to about £500,000), so the chances of a £7m+ pay-out are sadly zero!
Nice thorough report from The Dily Echo! Name and shame - which Branch?
THEKILLER
says...
3:25pm Fri 8 Jan 10
southy
says...
3:39pm Fri 8 Jan 10
jimbobbo wrote:jimbobbo are you has well lets say a none thinker like derek is,
southy wrote:Did you even read what Cyber-Fug wrote? He asked if you knew the details of the bet, not the rules of betting, you mug.
Cyber-Fug wrote:its a standard weather bet that all major bookie work by. check the bookies rule book. or ask over the counter, i have done this bet before, but stop doing this when i ask over the counter what the rules are.
southy wrote:I take it that you know the complete details of the bet then Southy ?...... I cant see anywhere where it mentions the details of the complete bet....
if you look at the rules, snow bets for xmas day are for the following citys only, london, edinburgh, cardiff, belfast and you may add dublin. and can be betted on has a multi singles bets or accumulative of 2's, 3's, 4 and 5 if you added, or a dublin, combination of all those types of bets, and only 3 of those citys had snow on xmas day. the snow must fall on top of that city weather centre. all other locations can only be taken has a local bet and can not be in a betting form of accumulative bet, singles only and again it must fall on top of the local weather centre.
this is where he slip up.
and if you do this bet take fix odds, because the odds will drop if it gets really cold just before xmas, like it did with this xmas just gone.
and if you do the post code weather bet make sure that post code has a weather centre, it only takes a single snow flake to fall on the weather station, the bookie rely on report coming back from the weather centre. and if that weather centre is unmanned on xmas day they cant prove that a single snow flake has fallen on top of the weather centre.
the complete rules are very long winded, like there is a max a bookie can pay out on a single day bet.
southy
says...
3:48pm Fri 8 Jan 10
colinpickford1
says...
3:49pm Fri 8 Jan 10
Totton Ric
says...
3:54pm Fri 8 Jan 10
southy
says...
4:05pm Fri 8 Jan 10
SomersetSaint wrote:i said the same somersetsaint
Reality-man wrote:Local branch would be irrelevant as major pay-outs would be handled by Ladbrokes head office. Also, they have a maximum win/pay-out rule (which used to about £500,000), so the chances of a £7m+ pay-out are sadly zero!
Nice thorough report from The Dily Echo! Name and shame - which Branch?
Andy Locks Heath
says...
4:22pm Fri 8 Jan 10
bigronthestaff wrote:Sorry Ron but you don't know about the law of contract either and a bet is not a contract as others here have pointed out. I had to smile at Paddy Power, only too willing to rub his rivals noses in it by "helpfully" computing the theoretical value of the accumulator. He knows full well he would not have paid out either under these circumstances.
I know absolutely nothing about bookmakers or betting but, surely, if money has changed hands on a transaction, a contract is deemed to have taken place. It is not Cliff's fault, it's the fault of the badly trained Ladbrokes employee. Therefore, Ladbrokes have taken and broken the contract and Ladbrokes are liable. I'm sure that's how it works in every other line of business.
If you want to avoid massive payouts Ladbrokes, stop taking bets and SHUT UP SHOP or train your staff properly so you don't have disgruntled customers ever again. It's your own fault, you scheming bunch of wassanames.
PAY THE MAN WHAT YOU OWE HIM!
THEKILLER
says...
4:24pm Fri 8 Jan 10
Totton Ric wrote:Not a chance many have tried to beat the bookies all lose, no solicitor will take it on as no win no fee case. But if he wants to pay someone and Ladbrokes costs when he loses then I'm sure a solicitor will jump at the easy money. The maximum payout is 1 million pounds as stated in the betting shop rules.
Pay up Ladbrokes,you took the bet & as long as there proof of a Receipt with proof of the accumulator on I would of though that was it !,Im sure there’s a solicitor out there willing to take this case on !
bigronthestaff
says...
4:48pm Fri 8 Jan 10
Andy Locks Heath wrote:Andy,
bigronthestaff wrote: I know absolutely nothing about bookmakers or betting but, surely, if money has changed hands on a transaction, a contract is deemed to have taken place. It is not Cliff's fault, it's the fault of the badly trained Ladbrokes employee. Therefore, Ladbrokes have taken and broken the contract and Ladbrokes are liable. I'm sure that's how it works in every other line of business. If you want to avoid massive payouts Ladbrokes, stop taking bets and SHUT UP SHOP or train your staff properly so you don't have disgruntled customers ever again. It's your own fault, you scheming bunch of wassanames. PAY THE MAN WHAT YOU OWE HIM!Sorry Ron but you don't know about the law of contract either and a bet is not a contract as others here have pointed out. I had to smile at Paddy Power, only too willing to rub his rivals noses in it by "helpfully" computing the theoretical value of the accumulator. He knows full well he would not have paid out either under these circumstances.
bigronthestaff
says...
4:50pm Fri 8 Jan 10
Cyber-Fug
says...
4:59pm Fri 8 Jan 10
southy
says...
5:37pm Fri 8 Jan 10
bigronthestaff wrote:dont keep your head, ask and keep asking it a way of learning
Maybe I should just keep my head down when I don't know what I'm on about!!!!!!!!!!!! =)
southy
says...
5:44pm Fri 8 Jan 10
colinpickford1 wrote:Hey col my old mucker not seen you in a long while, Sorry to hear of your lost while I was living in the west country for awhile.
do you think I should place a bet on the outcome of the court case?? Can anyone recomend a bookmaker??
Bassett Boy
says...
6:54pm Fri 8 Jan 10
pabloroberto
says...
7:28pm Fri 8 Jan 10
TeemMo
says...
9:39pm Fri 8 Jan 10
bigronthestaff wrote:If a pay clerk in your employer's pay section made a mistake that resulted in them paying you £1m your employer would be perfectly entitled to ask for the money back because it was a palpable error. The law would back him. However, as others have said, bets are not enforceable in law but all bookmakers will stand by the decision of an independent arbiter and the first thing that the arbiter will do is look at the bookmaker's rules. The bet should not have been accepted. It was a palpable error. People do make mistakes and £7m would have been a very expensive one. He would never have been paid £7m anyway since all bookies have maximum daily payouts.
I know absolutely nothing about bookmakers or betting but, surely, if money has changed hands on a transaction, a contract is deemed to have taken place. It is not Cliff's fault, it's the fault of the badly trained Ladbrokes employee. Therefore, Ladbrokes have taken and broken the contract and Ladbrokes are liable. I'm sure that's how it works in every other line of business.
If you want to avoid massive payouts Ladbrokes, stop taking bets and SHUT UP SHOP or train your staff properly so you don't have disgruntled customers ever again. It's your own fault, you scheming bunch of wassanames.
PAY THE MAN WHAT YOU OWE HIM!
hmw
says...
10:15am Sat 9 Jan 10
Andy Locks Heath
says...
12:55pm Sat 9 Jan 10
whelk
says...
10:41am Sun 10 Jan 10
whelk
says...
11:05am Sun 10 Jan 10
Bassett Boy wrote:Apologies Pablo - you had basically already written my comment although i obviously hadn't read at time of posting. Funny we both used the same Lambert/Saints example as well!
Betting is a mugs game anyway.
The rules are always stacked in the bookies favour as are the odds, and if you do happen to come up with a "big win" there are some hidden rules somewhere that limit their maximum payout anyway.
As is noted throughout the story and the comments, betting is not enforceable in a court of law, and all bets are in fact a "gentlemen's agreement", there's only ever a possibility of one gentleman being involved, and iy's certainly not the bookie. So you're doubly screwed!
You'll never see a poor bookie, but the streets are full of poor punters. Spend your money down the pub, at least you'll have something to show for it, even if it's only a headache!
Rick Munro
says...
6:02pm Mon 11 Jan 10
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queenb says...
12:29pm Fri 8 Jan 10
they would be quick enough to honour the bet if it was he has lost