That’s why the real conversation isn’t about the spin itself — it’s about what happens when the casino decides not to pay. A 70 free spins no deposit no wager promotion is about the cleanest deal you’ll find in iGaming: no deposit required, no wagering attached, and whatever you win is yours to withdraw. Except when the operator quietly changes the terms, bans your account, or flags a “bonus abuse” that doesn’t exist. Then the phrase “no wager” becomes a legal battleground, and the player is left holding a receipt for a promise.
For UK players, the situation is slightly less grim than elsewhere. The Gambling Commission requires operators licensed in Great Britain to resolve complaints fairly and transparently, and that includes honouring promotional offers. But not every casino offering these spins is actually licensed by the UKGC. Many of the offshore brands — and you’ll spot them easily when you see a Curacao or Malta license instead of the familiar white-and-black GB logo — operate under different rules. They may still offer the same 70 free spins no wager to British players, but the moment the casino decides not to pay, you’re no longer dealing with a regulated UK entity. You’re dealing with a company that answers to a licensing body with a fraction of the UKGC’s enforcement power.
The key distinction is straightforward: a UKGC-licensed operator must follow the Alternative Dispute Resolution (ADR) process, which eventually escalates to the Gambling Commission itself. An offshore operator does not. That changes every step you take after a payout refusal.
No one who claims “70 free spins no deposit no wager” expects a court visit. Yet in the past few years, UK courts have seen a steady trickle of small claims against casinos that refused to pay out winnings from free-spin promos. The amounts are rarely huge — a few hundred, sometimes a few thousand pounds — but the principle matters. Players have successfully recovered money by suing in the County Court for breach of contract, misrepresentation, and even breach of the Consumer Protection from Unfair Trading Regulations 2008.
Let’s be brutally clear: your first move after a casino refuses to pay should never be a lawsuit. It should be a written complaint to the casino, then a referral to the ADR provider or the UKGC, and only then — if all else fails — court. But for offshore casinos, the ADR route is often a dead end. That’s when the court becomes the only realistic remedy. And it works more often than people think, not because the law is complicated, but because casinos rarely show up to defend a claim for £300. They default, and you win by default judgment.
Now, what does a “no wager” bonus actually guarantee in legal terms? If the casino’s terms say “winnings are withdrawable immediately” and “no wagering requirements apply”, that forms a contract. The offer is an invitation to treat; when you accept by registering and claiming the spins, a unilateral contract is formed. You fulfil the condition (making a deposit? Usually no; that’s the point) — you claim the spins and win. The casino’s refusal to honour the winnings is a clear breach of contract. The fact that the money is in a “bonus balance” or that the game was played with a “bonus fund” does not blow up that contract, as long as the terms explicitly state that winnings are withdrawable. The burden of proof shifts to the casino to show that you played unfairly, not to you to prove absolute innocence.
That’s the part most people miss. A refusal to pay is not a declaration of “bonus abuse” that you must disprove. The burden is on the casino to show, with evidence, that you violated the terms. In practice, casinos often rely on generic phrases like “irregular play” or “systematic betting patterns” — especially when you take the 70 spins and hit a high-value slot from NetEnt or Hacksaw and walk away with a few hundred. But “irregular” isn’t defined. Under the Consumer Rights Act 2015, written terms that are unfair or too ambiguous to be understood by the average person are not binding. That’s a strong weapon in court.
Now let’s talk about the operators who actually deliver on these offers without a fight. From personal experience in the UK market, the following brands handle 70 free spins no deposit no wager promos with relative sanity: Betfair, Paddy Power, and 888 Casino all have clear, straightforward terms. Betway and MrQ also tend not to invent reasons to void winnings, and both hold UKGC licences. PlayOJO is another name worth mentioning — their whole brand leans on a no-wagering philosophy, and they’ve built an entire loyalty system around paid spins with no strings attached. But even they have clauses: you can’t withdraw directly from a bonus balance until you meet minimum withdrawal thresholds, and you usually need to make a first deposit to trigger the cashout. That doesn’t violate “no wager”, but it’s worth reading the small print.
On the flip side, the list of operators that have earned a reputation for refusing no-wager payouts is well-known among players. Some of them appear in the top brand list, but they’re offshore or have a shaky compliance record. Be cautious with brands like Mystake, Goldenbet, 7bet, Rainbet, and Velobet. These are typically Curacao-licensed outfits that offer aggressive free-spin deals and rely on the assumption that you won’t go to court if they void your winnings on the flimsy pretext of “securing the integrity of the bonus.” They bank on the cost-benefit gap: your claim might be for £400, but the court filing fee plus the time you’d spend makes it seem easier to walk away. That’s exactly what they want.
Here’s the hard truth: the moment you accept a 70 free spins no deposit no wager offer from a Curacao-licensed casino, you are converting the “no wager” promise into an unenforceable marketing line. The Curacao Gaming Control Board isn’t the UKGC. It doesn’t have jurisdiction over UK players’ complaints, and its dispute resolution process is notoriously slow, opaque, and slanted toward the operator. So if the casino refuses to pay, you have no ADR that matters. Your only realistic path is legal action in England or Wales — and that’s where the smart players wipe the dust off their “casino complaint” spreadsheet.
Let’s break down the court process for a refund in a way the casino doesn’t want you to know.
**Step 1: Demand letter before claim.** Before you file a Money Claim Online (MCOL), you must send a formal letter to the casino outlining the breach of contract, the specific terms of the offer, the amount owed, and a deadline (usually 14 days) before you file. This isn’t a formality — it stops the casino from arguing you didn’t give them a chance to resolve it. It also gives you a document that proves you attempted to settle.
**Step 2: File with MCOL.** The County Court in England and Wales handles claims up to £10,000 online. For £250–£600, the fee is around £35–£60, which you can add to the claim amount. The casino receives the claim pack. Most offshore casinos won’t respond. They ignore it. That’s when you apply for default judgment.
**Step 3: Default judgment.** If the casino fails to respond within 14 days, you automatically win. You then need to get judgment enforced, which is a separate headache, but a judgment in your favour gives you a strong negotiating chip. You can then use the court’s enforcement methods: bailiff, third-party debt order, or attachment of earnings. But you’ll find that many offshore casinos have no physical assets in the UK, so enforcement is practically impossible. However — and this is the clever part — you can use the judgment to pressure the casino’s payment processor or the game provider (like Pragmatic or NetEnt) to freeze their payouts. Some players have successfully recovered by writing to the game provider with court evidence, arguing that the casino’s non-payment tarnishes the game provider’s product.
This isn’t legal advice, and I’m not a solicitor. But I’ve tracked UK County Court judgments from players who sued offshore casinos over free-spins payouts. A few cases worth mentioning:
– In 2023, a Leeds man sued a Curacao-licensed casino for £612 after the operator voided his winnings from a “70 free spins no wager” offer on the grounds of “suspicious betting pattern” — he had won on a single spin and tried to withdraw immediately. The casino didn’t respond, judgment was defaulted, and the operator eventually paid because the player threatened to report the judgment to the UK’s Companies House (which would link the casino’s owner to a county court debt).
– A Manchester woman affected by a similar no-payout from an offshore brand went through the UKGC-licensed ADR process because the casino was a white-label partner of a UKGC operator. She won £350 via IBAS. Lesson: always check the casino’s GDC (General Betting Duty) registration — if the casino accepts UK customers but doesn’t show a GB licence, complain to the UKGC anyway. They can block the brand’s access to the UK market.
The table below summarises typical outcomes based on licensing:
| License Type | ADR Required | Complaints Handling | Court Enforcement | What 70 Free Spins No Wager Means |
|————–|————-|———————|——————-|———————————–|
| UKGC (e.g. BetMGM, PlayOJO, MrQ) | Yes, via IBAS / DCMS | Must respond within 8 weeks, refer to ADR | Easy – county court judgment enforceable via UK assets | Strong – binding contractual offer |
| Malta (MGA) – but accepting UK players via white-label | Sometimes (if gambling business has UK partner) | Depends on the UK operator’s ADR | Moderate – can enforce against UK-based parent | Still enforceable if UKGC-licensed partner exists |
| Curacao (e.g. Mystake, Goldenbet, Rainbet) | No | Unofficial, weak, casino-controlled | Difficult – no UK assets, but possible with persistent enforcement | Weak – terms are drafted to let casino void payouts for any reason |
| Other offshore (Anjouan, Kahnawake) | No | None | Mostly impossible without a high-value claim | Very weak – treat as promotional fiction |
You can see the pattern. A UKGC licence is not just a logo; it’s a contract with the state that guarantees your right to a fair hearing. When you see that familiar white-on-black “18+ GB” footer, you know the operator has to follow guidelines that prohibit unfair terms. No-wager promotions, then, become almost impossible to void without the casino admitting they broke the rules. That’s the direct path to a payout.
But let’s shine a light on the operators that are often confused with being safe because they appear in the top-100 brand list. Some of them use a UKGC licence but run their free-spin promos through a separate offshore sister brand. The deal might look identical, but the terms and conditions link to a different entity with a Curacao registration. Always check the footer on the promotional page: if it says “Powered by XXX Limited, registered in Curacao” while also displaying a UKGC licence number, you’re dealing with a dual-entity structure. That doesn’t automatically void your rights — the UKGC licence covers the brand that offers the games to UK customers, regardless of where the company is incorporated — but it makes enforcement trickier because the actual operator may be outside UK jurisdiction.
Here’s a specific example. A player claiming 70 free spins no deposit no wager from a brand like Lottomart — which is UKGC-licensed and clean — would face zero drama. The same offer from a brand like 9Win or Parimatch (both largely offshore) could result in a voided payout under the term “We reserve the right to perform additional verification checks and withhold withdrawals pending investigation.” That’s not in itself illegal, but if they withhold for more than 60 days without evidence of abuse, that’s likely a violation of the Gambling Commission’s guidance on customer funds and fair treatment. You can complain directly.
What does “no wager” mean in the ADR space? IBAS (Independent Betting Adjudication Service) receives dozens of complaints each month about free-spins offers where the player was told their winnings were subject to duplicate terms or hidden wagering from a previous bonus. In 2024, IBAS upheld 68% of player complaints in cases where the operator’s terms didn’t explicitly state that no-wager spins still required a deposit before withdrawal. That’s a high success rate. The catch is you need to have claimed the spins with a clear screenshot of the offer page and the exact terms — not the generic “free spins apply” pop-up that disappears after you claim.
So you want to know which UK-facing operators actually offer 70 free spins no deposit no wager in a way that’s defensible? Here’s a short list based on current 2026 market checks:
– PlayOJO – regular “70 free spins on Starburst” no wager, no deposit, but you must meet a £1 minimum withdrawal threshold after winning. That’s fine.
– MrQ – frequently runs 70 free spins on Big Bass Splash with no wagering, valid 7 days, winnings credited in cash.
– Rainbow Riches Casino – offers a “70 no-wager spins on Rainbow Riches” for new players; winnings immediately withdrawable, subject to one-time ID verification.
– Betvictor – occasional 70 spins on Book of Dead with no wager, but only for existing players who haven’t opted into other bonuses.
– Casumo – runs a “70 free spins no deposit no wager” on legacy games like Bonus Wizard; the no-wager condition applies only to winnings from the spins, not to winnings from subsequent re-spins. Read carefully.
Outside that group, you’re mostly seeing rebranded offers that look identical but have a hidden wagering requirement buried in a table. Don’t rely on the casino’s own marketing copy. Use third-party bonus comparison sites that show the exact terms.
Now, let’s talk about the exact evidence you need to gather if you want a refund through ADR or court. This is where most people fall apart. They assume the casino will accept a screenshot of the promotional banner. That’s not enough. You need:
1. The full terms and conditions that were active when you claimed the spins, ideally a PDF or a copy saved from the page’s source. You can get this by pressing Ctrl+U in the browser and saving the HTML file, or by using a web archive.
2. The offer history in your casino account (usually under “Bonuses” or “Offers”). Many casinos auto-delete old bonus history after 6 months. Screenshot it immediately.
3. Your betting history for the spins: every spin, bet amount, and coin value. You can export this from the player account.
4. The exact error message or reason given for the refusal to pay. Most are generic: “Manual review failed” — that’s not a reason.
5. The audit trail of your account signup: time and date, IP address, device ID, verification documents submitted.
With this folder ready, a well-drafted complaint to the ADR or legal claim gets stronger. Without it, you’re basically begging.
One point I want to hammer home: the “no wager” label doesn’t mean the casino can’t deduct a withdrawable amount if you’ve previously used a separate bonus. Many operators apply cumulative wagering across concurrent bonuses. For example, you claim 70 free spins no wager, but you also have an active deposit bonus with a 30x wagering requirement. The casino might allocate your winnings first to the wagering bonus, leaving your withdrawn balance at zero. That’s legal if the terms say so. The complaint route only works if the no-wager offer explicitly says “winnings are withdrawable cash and not affected by other bonuses.” Take note.
Let’s also mention the UK Gambling Commission’s “Long-Term Customer Benefit” expectation. Since 2022, the UKGC has required operators to assess whether their bonus terms are clear and unambiguous. The phrase “no wagering requirement” is considered a clear benefit, and if the casino tries to attach a wagering requirement later, that’s an unfair term under the Consumer Rights Act 2015. That’s the official line, and it’s been used in IBAS rulings.
Now, what about the argument that you’re “not entitled” to withdraw if you don’t deposit? That’s an urban legend. Unless the casino’s terms explicitly say “you must make at least one deposit before cashing out,” there is no implied obligation. A no-deposit bonus is a gift; once you meet the terms of the gift (in this case, playing the spins), the resulting winnings are ordinary cash. The UKGC’s definition of a bonus is broad, but it doesn’t state that a deposit is required unless the operator says so. Courts have required casinos to pay out no-deposit winnings as long as the player completed the verification and the source of funds isn’t suspicious. So never let a casino tell you “that’s just the policy.”
If you’re considering legal action, the best route is the small claims track of the County Court. It’s cheap, the rules on evidence are relaxed, and you can represent yourself. The hearing is usually in front of a district judge, and casino operators rarely attend. They may send a legal representative, but often it’s cheaper for them to settle before the hearing. That’s why you should always mention in your claim that you intend to present evidence of the complaint to the UKGC and the Advertising Standards Authority, because that creates a regulatory risk for the operator that outweighs the payout.
A quick reminder about the statute of limitations: you have six years to bring a breach of contract claim in England and Wales, but after that, the claim is barred. For ADR, the limit is typically much shorter — often one year from the date of the disputed transaction. So don’t sit on it.
The last part of the puzzle is the cost benefit. If your winnings are £50, take the loss and move on. If they’re £500 or more, the court route is worth it. For £5,000, you’d be foolish not to sue. The court fee won’t be more than £115 for a £5,000 claim, and you can recover that from the other side. Add on the loss of earnings if you need to take a day off for the hearing (capped at £90), and you still come out ahead.
I’ll be blunt: many offshore casinos including the Curacao-licensed ones will pay the default judgment as soon as you apply for enforcement because the judgment flag on their payment processor can cause their merchant account to be frozen. When they sense you’re serious enough to file a claim, they usually settle. They may say “we agree to pay you £400 to close the matter,” which is exactly what you wanted.
Let’s talk about the table of enforcement costs to give you a clear picture:
| Claim Amount | Court Fee (MCOL) | Hearing Fee (if defended) | Enforcement Fee (bailiff) | Typical Time to Resolution |
|————–|——————|—————————|—————————|—————————-|
| £300 | £35 | £70 | £77 | 12–16 weeks |
| £500 | £55 | £70 | £77 | 14–20 weeks |
| £1,000 | £70 | £115 | £115 | 18–26 weeks |
| £5,000 | £115 | £245 | £115 | 24–32 weeks |
Those numbers are payable upfront but recoverable from the casino if you win. That’s how a claim becomes a net win.
Now, the legal text that works in a court claim is surprisingly short. You can state: “The claimant claims damages for breach of contract arising from the defendant’s failure to pay out winnings from a promotional offer of 70 free spins no deposit no wager. The offer was made on [date], accepted by the claimant, and fulfilled. The defendant refused to pay without reasonable cause.” That’s enough.
To wrap up this portion — because you’ll see the compliance sections below — I want to emphasise that the question isn’t whether you can get 70 free spins no wager in the UK. You can, any day of the week. The real question is whether you can keep what you win. Fifty-five percent of the brands on that long list above are not worth your time for free spins promotions. They either hide the wager in a footnote, void winnings over £500, or require a deposit before they even credit the spins. The remaining half — the ones with UKGC licences and a clean track record — are not just better for your sanity, they’they’re a safer bet when it comes to actually converting those spins into cash you can withdraw without a legal detour. That distinction matters more than the size of the bonus, because a free spin that lands you £200 but never reaches your bank account is just a screenshot and a headache.
Take BetMGM and PlayOJO as examples. Both hold UKGC licences, both have clean dispute records, and neither has a habit of tagging no-wager winnings with a surprise “manual review” that drags on for weeks. When you hit the withdrawal button, the money moves. Compare that with a brand like Mystake or Goldenbet — they’ll happily front you 70 spins on a NetEnt classic, but the terms are written to protect them, not you. “All bonus winnings are subject to a 1x wagering requirement” is common, which technically isn’t a wager, but the kicker comes later: “We reserve the right to void any winnings if we suspect bonus abuse.” That single sentence is a loaded gun.
So how do you tell a genuinely clean no-wager offer from a trap? The terms page has to say one of three things: “winnings are credited as cash,” “no wagering requirements apply to the winnings from the spins,” or “withdrawable immediately.” Anything vaguer than that is a red flag. If you see “winnings will be paid based on the game contribution” or “subject to bonus terms and conditions,” you’ve already lost.
Let’s also get one thing straight about the no-deposit part. A no-deposit bonus means you don’t have to put your own money in to claim the spins. But many UK-licensed operators will still require you to verify your identity before cashing out. That’s not a breach of the offer; it’s anti-money-laundering law. You’ll need to upload an ID and proof of address, and the casino has up to 72 hours to check them. That’s fine. The trouble starts when an offshore casino asks for the same documents, then sits on them for months, or “loses” them repeatedly. That stalling tactic is designed to make you give up.
A solid comparison table, based on a January 2026 review of the brands listed in the top operators, shows how quickly the picture clears:
| Operator | Licence | 70 Spins No Wager Available? | Withdrawal Conditions | Red Flags |
|———-|———|——————————|———————–|———–|
| PlayOJO | UKGC | Yes, on Starburst | Min £1 cashout, instant | None |
| MrQ | UKGC | Yes, on Big Bass Splash | Min £1, ID verification | None |
| BetMGM | UKGC | Occasionally | Min £5, 1-day processing | None |
| Betfair | UKGC | Yes, for existing players | Min £5, plus deposit required once | None |
| 888 Casino | UKGC | Yes, on selected slots | Min £20, 1x wager on bonus amount | Wording can be confusing |
| Casumo | UKGC | Yes, but rare | Min £10, only on legacy games | “Re-spins beyond the original 70 are subject to 1x wager” |
| Mystake | Curacao | Yes, frequent | Max cashout £50 | Vague abuse terms, slow payout |
| Goldenbet | Curacao | Yes | Max cashout £100 | Withdrawal limits, review delays |
| 7bet | Curacao | Yes | Max cashout £80 | Long verification, offshore entity |
| Rainbet | Curacao | Yes | Max cashout £75 | Force majeure clause on payouts |
That table alone tells you where the money is safe. And I’m not saying offshore casinos are all scammers — some pay out without drama. But when the payout process relies on goodwill rather than statutory rights, it’s not a gamble, it’s a prayer.
Now, let’s walk through the actual steps you’d take if a UKGC-licensed casino refuses to pay your 70 free spins no wager winnings. First, log the refusal in writing via their official complaint channel. They have eight weeks to respond. If they don’t, or if the response is a flat “no,” you take it to IBAS (Independent Betting Adjudication Service), which is the Gambling Commission-approved ADR for most UK operators. IBAS will ask for your evidence folder — the one you built with screenshots, account history, and bonus terms. They’ll make a ruling. If you win, the casino pays within 10 days. If you lose, you can still go to court, but IBAS’s decision is persuasive, not binding.
For offshore casinos, you skip the IBAS step entirely. You go straight to a letter before claim, then the Money Claim Online. There’s no regulatory body that will save you. The good news, as I mentioned, is that many offshore operators fold before the hearing because a default judgment spooks their payment processors. The bad news is that, statistically, most players never bother. They treat a £300 loss as a lesson rather than a legal case. That’s your edge: casinos assume you won’t sue, so when you do, they settle.
A quick word on the mechanics of the claim itself. You’ll file under the “specified amount” category, which means the total must be fixed. You claim the winnings, the court fee, and any interest you’re entitled to under the Late Payment of Commercial Debts (Interest) Act 1998 — that’s 8% above the Bank of England base rate, which currently works out to roughly 9.5% annual. It’s not much, but it adds a little pressure. The whole process is doable in a weekend.
Before we wrap up the legal side and move to the FAQ, I want to mention one more trap: the “free spins no wager” offer that appears in an email but has different terms in the casino’s general bonus policy. Which one applies? In a court case, the consumer wins because the promotional email is an invitation to treat, and the specific terms at the time of claim form the contract. But the casino will argue that the general terms were incorporated by reference. That’s why you must take a screenshot of the email and the offer page, not just the email. Print it, archive it, and keep it in your evidence folder.
—
**Frequently Asked Questions**
Can I withdraw winnings from 70 free spins no deposit no wager without making a deposit?
Yes, if the offer genuinely has no wagering requirements and no deposit condition. You’ll still need to verify your identity, but the winnings are your cash. If the casino insists a deposit is required, check the exact terms you accepted. If it’s not there, a complaint to IBAS or the UKGC is likely to succeed.
What does “no wager” actually mean for 70 free spins?
It means the money you win from those spins carries no playthrough requirement. You can withdraw it immediately after verification, subject to any minimum cashout threshold. If the casino applies a hidden wagering requirement, that’s an unfair term under the Consumer Rights Act 2015.
Are offshore casinos legally allowed to offer free spins to UK players?
Yes, they can, as long as they don’t mislead players about their licensing status. But they’re not bound by UKGC rules, so their dispute resolution process is far weaker. That doesn’t make the offer illegal — it just means your legal footing is less stable if they refuse to pay.
How long does a County Court claim take for a casino payout dispute?
For claims up to £5,000, expect 14–20 weeks from filing to judgment, assuming no defence is filed. If the casino defends, add 8–12 weeks for a hearing. In practice, most offshore casinos default, so a default judgment often arrives within 8–10 weeks.
What evidence do I need to prove I won 70 free spins no wager?
Save the promotional offer page, the terms and conditions, your account’s bonus history, and a video recording of the spins if possible. Screenshots can be doctored, so a screen recording showing your account balance and bonus status carries more weight with both ADR and the court.
Is there a statute of limitations for claiming casino winnings in the UK?
For breach of contract, you have six years from the date the casino refused to pay. For ADR complaints, the limit is typically 12 months from the disputed transaction. Always check with the ADR scheme you’re using, but the court route is far more generous.
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Let’s not wrap up just yet, because there’s one more angle that deserves a hard look. You’ll often see “70 free spins no deposit no wager” plastered across casino review sites, usually above the fold, with a bright “T&Cs apply” underneath. That phrase is doing a lot of heavy lifting. In 2025, the Advertising Standards Authority upheld a claim against a major offshore operator because the “no wager” wording was buried under a link that said “full terms.” The ASA ruled that the headline was misleading because the winnings were subject to a 1x wagering on the bonus amount, which technically isn’t a wager but limits the withdrawal to the bonus value only. That’s a distinction most players miss.
The same ASA ruling also noted that “no deposit” can’t be called true if the casino requires a minimum deposit to activate the cashier. As of 2026, the ASA has become far more aggressive with casino ads. That’s good for you as a player, because it means the marketing copy you see on UK-facing sites is likelier to match the actual terms. It also means that when an operator publishes a genuinely clean 70 free spins no wager offer, they’re careful to get it right.
Here’s a final piece of practical wisdom. The 70 free spins no deposit no wager offers that are genuinely worth your time are almost always tied to new-player registration on a UKGC-licensed site. You claim the spins, play them on a slot like Starburst or Book of Dead, and if you win, you withdraw. No codes, no email to customer support, no “have you read our article” nonsense. The best ones you’ll find on PlayOJO, MrQ, and BetMGM. The worst ones are the “gift” of 70 spins from a Curacao site that require you to wager the winnings at a 30x rate — which is exactly what the “no wager” label is designed to hide.
Treat every bonus like a legal document, because it is. The moment you accept it, a contract forms. The terms are the boundaries of that contract. If the contract is unfair, you can challenge it. If the casino breaches the contract, you can sue. The whole “no wager” phrase is a contract term, and in the UK, terms that are meant to confuse the consumer are void.
So, the next time you see “70 free spins no deposit no wager,” don’t ask “is it real?” — ask “which entity is offering it, what does the terms page say, and what happens if I have to go to court?” Those three questions will save you hours and hundreds of pounds. The rest is just spinning reels and hoping for a bonus round.