You hear all of the incredible stories of Lotto winners and how their lives have changed, but there is a not-so-elite group who have agonisingly missed out on dream wins.

The 'It could be you' motto is one that particularly gut-wrenching for several 'winners' who thought they had hit the jackpot.

The MirrorOnline has listed the most gut-wrenching tales where people thought they had won millions.

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Earlier this year was one of the most unfortunate tales; one unlucky couple claimed to have missed out a whopping £182million after their card payment didn't go through.

Other 'winners' have even binned their tickets, while one woman unwisely blew thousands after mistakenly thinking she'd scooped the jackpot.

Couple miss £182m jackpot as card declined

Rachel Kennedy, 19, and Liam McCrohan, 21, were left “absolutely heartbroken” in March after claiming they'd missed out on a £182million EuroMillions jackpot.

The couple, from Hertfordshire, realised their usual numbers of 6, 12, 22, 29, 33, 6 and 11 had come up but there was one major catch - their ticket payment hadn't gone through. They had played the same numbers for five weeks in a row, before all seven digits appeared in the draw.

Rachel explained how she had set up her account to automatically buy a EuroMillions ticket for each draw - but when payment for the winning ticket was attempted, the lottery account did not have enough funds.

Checking her account after the draw, she was greeted with a message saying her numbers were a "winning match" - however, her heart sank when she realised the glitch, The Sun reported.

Rachel, a business student at Brighton University, said: "I called my boyfriend Liam and my mum into the room and they couldn't believe it either so I was like, 'oh my god I need to call them'.

"I called the number thinking that I had won £182million and they said 'yeah you've got the right numbers but you didn't have the funds in your account for the payment of the ticket so it didn't actually go through'.

"I was on top of the world when I thought I had won, but when I found out I hadn't, Liam was actually more upset than me."

Rachel said they were "absolutely heartbroken" and now thinks of her usual weekly numbers as "unlucky" and has decided to change them.

Camelot, which has operated the UK's state-franchised national lottery since its establishment in 1994, has wished Rachel "the best of luck in future draws".

A company spokesman added: "We're aware of Rachel's story and hope she gets in early to buy a ticket for the next big draw."

Woman goes on shopping spree thinking she's won

It's one thing realising you've just missed out on the big prize - and another mistakenly assuming you've won.

Back in 2014, a delighted lottery player in France reportedly splurged thousands of Euros on clothes, jewellery and perfumes after believing she'd scooped a huge EuroMillions jackpot.

The woman - whose identity was not disclosed - wrote out cheques for her expensive purchases, believing she would be covered by her winnings, according to Lottery24.

Unfortunately, after splashing out more than €4,000, her husband pointed out that one of the digits didn't match those in the draw.

In an attempt to avoid criminal proceedings, the woman tried to claim her handbag had been stolen and that she hadn't written the cheques at all - but was foiled by CCTV footage.

She was hauled before a French court, which gave her a four-month suspended sentence as well as community service and an order to repay her debts in instalments

Marriage breaks down after losing £3m ticket

It took Martyn and Kay Tott six months to realise they had won over £3million on the National Lottery back in 2001.

The massive realisation finally dawned on the Totts, from Watford, after they spotted an appeal for the winner to come forward.

There was, however, one big problem – they had lost the winning ticket.

Dubbed ‘the unluckiest couple in Britain’, Martyn and Kay were able to prove via computer records they were telling the truth and the case soon gained national attention.

Sir Richard Branson and even Tony Blair spoke out in support, but, without the actual winning ticket, they were unable to collect a single penny of their fortune.

Sadly, the couple's marriage later broke down, but Martyn eventually explained he was "glad" he didn't win.

"Having that money taken away was torture," he told the Mail on Sunday. "For a long time I lost sight of who I was and what I believed in. But I can honestly say I’m glad I didn’t get the £3million now.

"There is no guarantee it would have brought me happiness."

Pals furious after binning $1m ticket

Two friends in America threw a $1million-winning US Powerball ticket in the trash.

Salvatore Cambria and Erik Onyango of New York later tried to sue the Lottery Commission of New Jersey, the neighbouring state where they regularly went to buy their tickets. The pair decided to throw the ticket out after checking the winning numbers on the New Jersey lottery website in 2013.

Unfortunately, they were checking their numbers against the wrong results as the website had not yet been updated.

It wasn’t until the following day the pair realised they had actually won, by which time, as their lawyer put it, “their money was headed to a garbage dump somewhere in Canada".

Plumber left $136m ticket behind pipe

Staten Island plumber Anthony Perosi left a winning lottery ticket stashed behind a basement pipe for six weeks before realising he had won $136million.

Anthony had all but forgotten about it until word spread that an unclaimed winning ticket had been traced back to the same store where he made his purchase in 2015.

Suddenly remembering, he headed to the basement where he found the ticket pinned behind a pipe.

It was only then that he realised he was in fact the lucky winner. “I tried to breathe in and nothing would go in,” he told the New York Times. “I thought I was having a heart attack and my heart stopped. So I grabbed the ticket, figuring they would find it in my hand.”

Fortunately, Anthony was able to claim the prize and decided to split the winnings 70-30 with his son.

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