A football fan thought thought he had won nearly £15,000 on a World Cup bet - only for a bookmaker to refuse to pay out.
Liam Manifold, 30, staked £10 on a series of bets on 11 November - that Argentina would win the World Cup, Lionel Messi would be named player of the tournament and France would make the final - at odds of 1,495/1.
The day after the final he rushed back to the betting shop thinking he was due a £15,000 payout and had already planned how to spend the money, including buying his disabled dad a new mobility scooter.
But the maintenance engineer, from Tutbury, Staffordshire, was left disappointed after bookmakers Coral said the events were "closely related to each other so the prices offered on them individually could not be included in a multiple bet".
The company said it had made a "very fair and generous offer for the settlement of the bet" - which Manifold said was just £660.
He said the firm should pay up as his treble bet was accepted without any issue.
He said: "I went to cash in the bet and they said it shouldn't have been placed and offered me £660 for it.
"I've gone through their complaints system, there's no leeway. I've gone to an independent complaints committee and I'm waiting to hear back from them.
"I've since had different companies contact me saying if that was their company, they'd pay out. When I placed the bet the guy behind the counter said it was absolutely fine. They're now saying it's a related bet.
"It's now two weeks after the final and I don't seem to be getting anywhere. If there's an error it's their fault for accepting the bet. It's very frustrating.
"Just under £15,000 for a big betting company is pennies for them but for me it's a life-changing amount of money. My dad's disabled so I was going to buy him a new disability scooter and keep the rest in savings."
Watch: World Cup 2022 - the highlights
A spokesman for Coral said: "These three events are all closely related to each other so the prices that were offered on them individually can't be included in a multiple bet.
"If Argentina and France have made the final, then the odds of Argentina winning it are clearly much shorter than they were at the outset. If Argentina have then won the World Cup, the chances of Messi being player of the tournament will be long odds-on.
"So we have settled the bet in the fairest way possible, paying out on the event with the biggest price, an Argentina v France final, at 22/1, and then on the basis that that had happened, we applied the price of Argentina winning the final which was 10/11 before the game, and then on the basis that Argentina had won the cup, we applied an over generous price on Messi to be player of the tournament at 1/2, as the odds on that happening should Argentina have won the World Cup would have been much shorter.
"The prices on the slip had been written on by the customer not the member of staff. We have settled the bet in line with our terms and conditions, and we have made a very fair and generous offer for the settlement of the bet that exceeds what would have been the odds of such an eventuality had a customer asked for rush specific treble on 11 November."