If it is a Credit card that has been issued in the UK, then your friend is wrong and the credit card company will expect payment and if necessary use the legal avenues open to them for recovery. Not sure what position is if your friend has moved to UK from abroad with a foreign credit card.

Either way, if he has spent the money, why wouldn’t he pay it back? Is that not called stealing?Gambling on a credit card is illegal in the UK. Gambling on a debit card is legal. Bookmakers taking bets are not allowed to accept credit cards, because it means you are borrowing, but they can accept debit cards.

Debts incurred are always enforceable, he borrowed the money after all. He is getting something else mixed up – in contract law in English law, matters concerning gambling are something the law does not get involved with, and courts won’t entertain matters relating to bets. So if a betting shop won’t pay out, don’t threaten legal action, because a court won’t entertain it. A wager is binding "in honour only" (so a betting shop only has to pay for the sake of defending its good name, and not because it is legally compelled to.) Betting disputes in England are normally settled therefore by an independent arbiter, such as the Sporting Life or the Racing Post.

 

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