Son using debit card

david39

I have read a similar story to this where a debit card was being charged for purchases made in on-line games by a junior member of the household..

In that particular instance the debit was being made against the account for the "purchase" via the XBox site of extra players in an on-line football game.

The wording of the instructions for the game was such that the son did not realise that he was purchasing the players with real money - he thought that he was "virtually" purchasing them within the game and he did not understand that a bank account was being charged.

Perhaps it might be best to investigate exactly what has happened, as it may not be his fault. (I think that age and streetwiseness will have a factor in this.)

rosegirl36

yes i know i am calming down now, i will have a chat with him before deciding what to do

duchy

rosegirl36 wrote: »

He wont dare make any more purchases after i have "spoken with him" i monitor my bank account daily and will know straight away if it happens again.

LOL

I'd be the same !!!

Was just thinking it might be an opertunity to teach him about money (always amazes me how must haves suddenly aren't so vital when coming from their own stash instead of from me )

thenudeone

AFAIK There is a mechanism for certain retailers to continue to debit accounts even though the original card number is no longer valid, prevent problems caused by bounced payments.

For example, you wouldn't want to be found driving without insurance because the card which you had agreed with the insurers to be used for an automatic renewal had been reported lost, and the insurers cancelled the policy, would you?

I don't know whether this is limited to certain suppliers or not.

So simply declaring the card lost is not guaranteed to stop it being used again. You need to speak to your son.

RobertoMoir

david39 wrote: »

I have read a similar story to this where a debit card was being charged for purchases made in on-line games by a junior member of the household..

In that particular instance the debit was being made against the account for the "purchase" via the XBox site of extra players in an on-line football game.

The wording of the instructions for the game was such that the son did not realise that he was purchasing the players with real money - he thought that he was "virtually" purchasing them within the game and he did not understand that a bank account was being charged

With respect, I've seen those kinds of stories touted around before and they're always complete !!!!!!!!.

vulcan1964

Tell him the cancelled card will cost £30, and he will have to pay it off by doing all the vacuuming and cleaning at the weekend for the next 3 weeks.

I promise you he will never do it again.

CLAPTON

vulcan1964 wrote: »

Tell him the cancelled card will cost £30, and he will have to pay it off by doing all the vacuuming and cleaning at the weekend for the next 3 weeks.

I promise you he will never do it again.

maybe, just maybe hear what the lad says first before hanging him?

DCFC79

Re the xbox theres no need to actually enter card details on the xbox as you can buy the points etc from websites or shops.

SuperHan

Haven't read the thread so sorry if this has already been said.

Cancelling the card won't necessarily stop payments to Xbox, it sometimes sets up a recurring payment that requires a phone call to stop. Also, in your son's defence, he may not have realised what he has done as when 1 month subscription to Gold is purchased a recurring payment is set up with very little warning! I have made the same mistake!

jonesMUFCforever

Banks now accept 'stop' instructions on CPA's so ring the card services part of the bank to stop any further payments.
Cancelling the card will have on effect whatsoever.