The first-time gambler said: “I couldn’t believe I had won so much. I wanted to withdraw £12,000 and leave £1000 in the account to play with.

“I was using my son’s card to play and didn’t think that would be problem. But after I withdrew the money I received an email asking me to call them.

“As far as I could see there was nothing in the terms and conditions which said I couldn’t use somebody else’s card.

“If the amount had been £200 they would probably have just paid out, but because this was a lot of money, it would have been a big loss to them.”

Donna, who even consulted the Gambling Commission over the matter, added: “Things like this don’t happen to me. I’m a single mum with a one-year-old baby and a six-year-old child.”

And eldest son Dan Lyons also spoke of his joy after her lucky using his debit card.

“The money will help my mum out massively. She is over the moon and really, really happy,” he said.

“She’s going to take the kids away on holiday and will treat me and she’ll just use it on stuff she wouldn’t have been able to do before.”

Profitable Play Limited, which is the licensed operator of Jackpotjoy.com, said it cannot comment on individual cases.

But a spokesman said: “To meet our legal and regulatory obligations, if we are unable to satisfactorily complete our age and identity verification processes via the details registered, we may ask our members to provide some personal identification documents to further confirm and validate their age and identity.

“We always endeavour to work with our members to complete these additional verification requirements as quickly as possible to ensure they are able to enjoy their winnings or withdrawals as soon as possible.”

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