A logo designer is celebrating scooping the top prize of £100,000 on a Lottery scratch card.
Lucky Michael McCaffrey was convinced there had been a mistake and was certain his Christmas Countdown Scratchcard was not the winning ticket.
The 34-year-old, from Accrington, Lancashire, said: "I just thought: 'This can't be right'. This sort of thing doesn't happen to normal people like me.
"I keep playing mind games with myself and tried to convince myself that this just couldn't be true. I even FaceTimes my mum to show her the scratch card and said: 'Mum, this isn't a winner, is it?'
"I think she even started to doubt it herself."
Michael, who has recently set up his own business called The Dapper Wrapper, said it was only after he called Camelot to confirm the win did he realise he was £100,000 better off.
He intends to invest a large chunk of his windfall into his new car wrapping firm.
Michael said: "I was close to tears on the phone - and I have to confess that when I came off the phone I did burst into tears!
"This is just incredible and the win will make such a huge different to my life and my business!"
"It was as if I was meant to buy that scratch card. It does feel like 2021 is going to be the year when all of my dreams come true."
Michael decided to buy the winning ticket at a convenience store in Accrington.
He said he will also use part of his winnings to buy a new car.
The lucky winner added: "I had been to the local shop to get some bits and bobs and was literally walking out of the door when I remembered I had a couple of scratch cards which I had bought earlier in the month and won a few pounds on but which I hadn’t yet cashed in.
"There was around £35 in winnings on them so I went back into the shop.
“As I approached the counter, the Christmas Countdown Scratchcard really caught my eye, for some reason.
"Christmas had come and gone and I thought I can’t leave that Scratchcard sitting there, so I bought five. At £2.00 each, this was only £10.00!”