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legal question re minor using parents cc
Clowance
Posts: 1,921 Forumite
in Credit cards
to buy internet !!!!!!.
Does anyone know the legal position - we are worried that it may be a regular debit and have changed the card number but they wont let us cancel it altogether as it has a balance thats too big to pay off on it.
I understand that it is a form of identity theft and that the culprit would be given a police caution should we report it, but we would rather not do this as it forms a criminal record. We have instituted alternative punishments instead.
Anybody able to give advice? I have looked all over the internet without much success.
Does anyone know the legal position - we are worried that it may be a regular debit and have changed the card number but they wont let us cancel it altogether as it has a balance thats too big to pay off on it.
I understand that it is a form of identity theft and that the culprit would be given a police caution should we report it, but we would rather not do this as it forms a criminal record. We have instituted alternative punishments instead.
Anybody able to give advice? I have looked all over the internet without much success.
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Can the bank confirm whether a continuing authority has been set up?Gone ... or have I?0
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to buy internet !!!!!!.
Does anyone know the legal position - we are worried that it may be a regular debit and have changed the card number but they wont let us cancel it altogether as it has a balance thats too big to pay off on it.
I understand that it is a form of identity theft and that the culprit would be given a police caution should we report it, but we would rather not do this as it forms a criminal record. We have instituted alternative punishments instead.
Anybody able to give advice? I have looked all over the internet without much success.
Why would he buy !!!!!! when its free on the internet.0 -
[STRIKE]Have you got any links?[/STRIKE]Why would he buy !!!!!! when its free on the internet.
He presumably doesn't know where to find it for free!
If it is a continuous payment authority, changing the card number or closing the account won't change the liability. It can still be charged to you.Does anyone know the legal position - we are worried that it may be a regular debit and have changed the card number but they wont let us cancel it altogether as it has a balance thats too big to pay off on it.
Actually, it's a form of monetary theft, although I assume hes claimed name and date of birth of card holder to obtain the service.I understand that it is a form of identity theft
Personally I would hope that the police would encourage the CPS to prosecute. But you are probably right. If you are not willing to pursue this side of things, it is highly unlikely that the card company will reimburse you for any losses.and that the culprit would be given a police caution should we report it, but we would rather not do this as it forms a criminal record.
You need to know where you son has signed up to find out what the T&Cs of his "supplier" are and what the cancellation terms are and how to cancel. Other issues may be around what country the supplier of the service is in, how you would contact them by phone if needed or how you would report that their "client" is under 18 years old (which, in certain countries or states could actually cause them significant problems).
Rather you than me!
The bank wouldn't know, but would have to honour it.Can the bank confirm whether a continuing authority has been set up?0 -
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I think the under age angle would be the best approach and hope the supplier is in EU or USA. If in the far east or former soviet states you may have difficulty cancelling without getting the bank fraud dept and/or police involved.opinions4u wrote: »You need to know where you son has signed up to find out what the T&Cs of his "supplier" are and what the cancellation terms are and how to cancel. Other issues may be around what country the supplier of the service is in, how you would contact them by phone if needed or how you would report that their "client" is under 18 years old (which, in certain countries or states could actually cause them significant problems).0 -
Sorry if I'm missing something obvious here, but internet !!!!!! sites having any sort of contractual commitment is unheard of. If you don't want to get the boy in trouble with the law then why don't you just contact the site in question and cancel the membership? All you need is to get the account details from him, presumably he knows what trouble he's in already and won't be stupid enough to make it worse by not co-operating.0
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Find out what method of billing is used. Many subscription sites (whether adult material or recipe subscriptions!) use a processor such as CCBill or Epoch which have their own methods for cancellation. Even if the website itself is based in the outer beyond, the processors are often American and you can cancel via them. They usually have quite clear instructions on how to cancel.0
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It's amazing how much people seem to know about these sites!
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