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There is a situation presented in The Guardian Consumer champions that must be fairly common:

In November last year, I unexpectedly rediscovered an unused national lottery app on my mobile phone with a balance of £2.50.

I bought a Lotto ticket and won £106. But when I tried to withdraw the money, I couldn’t, as my bank card attached to the account was no longer in use, and you can only change your card if your balance is zero.

This is explained:

for players’ safety and security, it seeks to prevent funds being deposited into a national lottery account from one debit card and withdrawn on another.

What is the legal situation here? Can a company refuse to pay money it owes in such a situation? Can such a situation be legally created by contract? If one took such a case to the small claims court is one likely to prevail? Is it relevant that this is gambling winnings?

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