MBNA Credit Card Expired but they still paid for Facebook credits

bingers1234

Hi. My 12 yr grandson was able to use my credit card which expired in Dec 2011 to pay for some Facebook Credits for a game he plays. It would appear the card details were stored on the game website and he was able to make 9 payments in March 2012 on the card that expired last December. The reason he had the details in the first place was because I had previously paid for some credits for him at the beginning of December and didn't realise that the details would be saved on the site. However, since the card expired in the same month I didn't give it a second thought. My question is am I still liable to pay for these transactions even though they were done without my knowledge or consent? Any advice would be greatly appreciated. Many thanks.

chanz4

yes and you consented to the continues card auth

bingers1234

No I didn't consent to the continuous use because I went in and cancelled the direct debit payment immediately.

meer53

bingers1234 wrote: »

No I didn't consent to the continuous use because I went in and cancelled the direct debit payment immediately.

It won't be a direct debit, you can't have direct debits on credit cards. It will be a continuous authority payment which you will need to cancel with Facebook. In the meantime, tell your grandson to stop using the game or you will continue to be charged.

dld2s

bingers1234 wrote: »

No I didn't consent to the continuous use because I went in and cancelled the direct debit payment immediately.

I may be wrong here, but I didnt think you could set uo a direct debit with Credit cards, continuos transactions I think you can, but to cancel these you need to make sure the firm you purchasing from cancel the CCA. also on your 1st post you say details still on site not dirct debit, even when these details are saved on a website, you usually have to suply number on back of the card. Looks like your grandson kept the security number and continued to use it.

Personally I dont think the CC company would think they have any grounds to believe the charges were unauthorised, you supplied you grandson with the card details (TBH I wouldn't blame them) best I dea I would think is to teach your grandson a lesson and get him to pay the bill with his pocket money or his parents pay it and take it out of pocket, birthday,xmas present money etc.

bingers1234

Thank you for all your replies, however, I still think that once a card has expired it should no longer be able to be used. Its not a case of it just being replaced by a newer card, the account was supposed to have been closed and two seperate and different cards were issued instead. There wasn't any continuous payment set up and my grandson appears to have been able to use the details of an expired card whenever he wanted to. If I can't get the card company to waive the payments then he will certainly be expected to pay me back and that will take quite some time with his current rate of pocket money. The card company have said that usually payments would not go through, but in 5% of cases of online and telephone payments, then they could still slip through. This info in itself makes me think that they should take some responsibility for the transactions being allowed, but maybe I'm wrong thinking this.

YorkshireBoy

bingers1234 wrote: »

...I still think that once a card has expired it should no longer be able to be used.

What you think should happen and what the terms of your credit agreement with MBNA say about CPAs are two different things!

There wasn't any continuous payment set up and my grandson appears to have been able to use the details of an expired card whenever he wanted to.

You're not listening!

You did have a continuous payment authority, and probably still do until you cancel it with facebook, whereby you agreed that 'facebook' or whoever could charge your card on an ongoing basis for services received/requested.

If you want a second opinion, read the facebook T&Cs...and whilst you're at it read your MBNA T&Cs.

Ben8282

A continuous payment authority is surely something, such as a subscription or bill payment which is paid regularly, usually every month.

In this case it appears that the OP used the card to make a single purchase of Facebook credits. I accept that the card details were stored, but how does storing the details of a credit card (presumably for convenience) constitute a continuous payment authority as the credits have to be purchased, I assume by clicking on 'buy credits' or something similar, when required. There is not an agreement that the user will ever buy further credits when the original purchase is made.

Sorry bingers1234 but the fault lies with you for failing to check that you had not deleted your card details and prevented your grandson from using the card. I assume you have had words with him about this and have taken steps to ensure he will never do this again.

However, I don't understand why these transactions were authorised against a no longer valid card number. I could understand if it was just the expiry date; I believe it can be possible for transactions to be put through without an expiry date when the card number is unchanged, but if new types of cards with new numbers have been issued, then these charges should never have been authorised in the first place.

If you havn't already done so, go to the facebook account now and make sure every reference to that credit card is cancelled and deleted.

dld2s

it does sounds like a continuos credit is the case here, the reason I think that, I have a CC with continuos credit setup with the footy club I suppport for tickets outwith my season book, but remember when my credit card expired and I got a new one I didnt have to register details of the new one, it just continued. As has been said, check that the cont credit has defo been cancelled, some firms conveniently say they never received anything to cancel arrangements, if this is the case, I reckon your argument is with them and not mbna, but I would ask mbna for help if this is the case although there is the argument you received a service (or your grandson did)

If not cont credit, can understand you frustration and anger at the mbna, but at the end of the day whether the card had expired or not you were a litlle less than secure with your details.