Child downloaded £330 on I Store Apps

fozmcfc

This is a pretty common issue.

Prehaps Apple etc, could come up with a bit of extra protection, that say a pin number needs to be entered before purchases can be made and/or after a certain amount of purchases the card details or part of them needs re-entering.

Kids nowadays are so technically clued up and these devices are gradually coming down in price, so adults are willing to buy them for their children.

As well as parents being careful, I think it needs to be looked into if enough is done to stop children from doing what the OP child has.

bod1467

zagfles wrote: »

I'm suggesting a transaction was carried out which the cardholder didn't authorise. It's irrelavent to the cardholder whether it was fraud or not, if they didn't authorise the transaction then the cardholder is not liable for it - unless they were grossly negligent (and the retailer/bank can prove this), and even then, if it's a credit card the cardholder is only liable for the first £50.

If the retailer didn't at least ask for the CV2 number or use VBV etc then they really haven't got a leg to stand on.

Unless the card is registered with a Continuous Payment Authority for an account - which IS the situation here, for in-app purchases. In such a case your advice does not stand.

bod1467

fozmcfc wrote: »

Prehaps Apple etc, could come up with a bit of extra protection, that say a pin number needs to be entered before purchases can be made

That feature already exists - OP just didn't enable it.

zagfles

bod1467 wrote: »

Unless the card is registered with a Continuous Payment Authority for an account - which IS the situation here, for in-app purchases. In such a case your advice does not stand.

If it was a CPA then it might be a bit harder, but there's some good advice here:

http://www.guardian.co.uk/money/2012/feb/24/continuous-payments-authority-know-your-rights

What if I accidentally signed up for a repeat transaction on my card because it wasn't clear what I was signing up to? Card scheme rules require businesses to be clear in their dealings with customers when it comes to repeat transactions, but in reality this is difficult to enforce, says the UK Cards Association. However, it adds: "If this happens to you, you will be able to get money refunded by your credit card company (be prepared to provide details) as it is not an authorised transaction unless the nature of the commitment was made clear to you."

halibut2209

With Apple and iTunes, it is very clear so that won't help.

zagfles

halibut2209 wrote: »

With Apple and iTunes, it is very clear so that won't help.

Do they? Where do they make it clear you are agreeing to a CPA?

bazster

antrobus wrote: »

Sadly no. It's a well documented defect with Child v1.0. What's more there's no indication that any upgrade will be made available in the forseeable future.

Ohmigosh, are we still on v1.0 after all these millennia? I blame Bill Gates...

zagfles

OP - the following may be of interest, not sure if this is what happened with you?:

http://www.dailymail.co.uk/sciencetech/article-1367940/Apple-closes-iPad-loophole-let-children-run-bills-free-play-games.html

If the same happened to you you should get your money back as in the article, without even having to trouble your bank.

musketter

rumbleway122 wrote: »

Last night we realised my 9 year old son had spent £202 on coins for a game on his IPAD in 4 days he never knowingly downloads anything you have to pay for. We immediatly deleted the game and removed our card details and today another £137 has gone through yet no one was even using the IPAD. Can we get this £337 refunded. We have complained to apple and they are investigating. HELP at wits end

£202 + £137 = £339 Not £330 or £337

I hope your 9 year old son is better at maths than you

CKhalvashi

DD2 (7 at the time) downloaded something on mine, I had my card details on there, I stomached it.

IMO, OP doesn't have a leg to stand on, as in they put the card details on there, agreed to the T's&C's of iTunes and they didn't take reasonable precautions to make sure that the card couldn't be used without permission.

CK