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Was this a UK site?
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I wanted to ask, I am unclear as to what you actually owe and who you owe it to?
this is a public forum and there is no need to name either the bank or the casino, it won't change anything. As far as your rights are concerned, you re indeed going to be in debt to at least one of these organisations. I would say that it is more likely to be against the casino because the bank may still be able to reject the transaction. In this case it is the casino that would be the ones you owe the money to. At this stage you may wish to simply do nothing and see where this goes next. For example the casino may not realise what has happened or it may not be picked up by their accounts. It is entirely up to you if you want to come clean at this stage or wait for them to come to you. It will not make things worse for you if you wait for them - you will still owe them the same amount in the end. You also may not wish to have this hanging around in the background and always wondering when someone may contact you about it. So it is a personal decision for you to make.
If you are pursued for the money you owe then you are certainly able to propose a repayment plan if you are unable to pay them back in full now. If they refuse, you can make it very clear that if they make a court claim to try and get it back, the outcome will not be much different because you will ask the court to order that this is repaid in instalments and you can prove that you would be unable to repay them in full. A court will not force you to pay back a lump sum if you are not in a position to do so financially. Therefore, it would be in their best interests and save them time and money if they do not sue you but they simply accept your proposal and allow you to repay them in instalments.
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