Child using debit card online without permission

chattychappy

I think the OP has a good case against the bank. The OP didn't authorise the payment and it would be for the bank to prove otherwise. Of course there is an element of the OP's word against the bank's - and this is the problem. But presumably since no PIN was used, it is difficult for the bank to prove the OP used the card.

Banks can only release monies against the authority of the account holder. They could insist on security questions, face-to-face recognition, DNA testing, fingerprints etc. All that's impractical. So they use a plastic card as a proxy/token and "take the risk". Use of the card suggests cardholder authority - but it's not conclusive of that.

Reality is, if the banks accepted these stories on trust, the system would fall apart. Expect a struggle.

As for criminal charges against the child, that would be for the police/CPS to decide, not the bank. I doubt whether it would go very far. The courts are overloaded. Adult shoplifters steal more than this in an afternoon and can "get away" with a caution.

vassa

chattychappy wrote: »

I think the OP has a good case against the bank. The OP didn't authorise the payment and it would be for the bank to prove otherwise. Of course there is an element of the OP's word against the bank's - and this is the problem. But presumably since no PIN was used, it is difficult for the bank to prove the OP used the card.

Banks can only release monies against the authority of the account holder. They could insist on security questions, face-to-face recognition, DNA testing, fingerprints etc. All that's impractical. So they use a plastic card as a proxy/token and "take the risk". Use of the card suggests cardholder authority - but it's not conclusive of that.

Reality is, if the banks accepted these stories on trust, the system would fall apart. Expect a struggle.

As for criminal charges against the child, that would be for the police/CPS to decide, not the bank. I doubt whether it would go very far. The courts are overloaded. Adult shoplifters steal more than this in an afternoon and can "get away" with a caution.

No they don't have a good case 'against' the bank. The bank haven't done anything wrong.

However, they can go down the 'fraud' route, but they will have to dob in their son for theft. The bank will ask questions such as 'does anyone else you know have access to the card'. I hate banks and could care less if they get ripped but it's a dangerous road to go down once you start telling lies.

They should just accept that they've dragged their son up and need to teach him how to behave like a normal human being. Starting with not allowing a child to be glued to a console would be a start.

Angelinaxoxo

As someone who has experienced debit card fraud before:

1. The Bank are NOT liable for this, google cases such as this online, when a member of your own family takes your own card in your home the banks don't want to hear it, you have much better luck telling the banks you simply don't recognise the charges (too late for that). However, to tell them a 'friend' or 'family' member used it ? Forget it. The Bank are not liable for your choice of friends or questionable parenting.


2. To all the people saying a 14 year old is a child and they didn't know the difference between right and wrong, what absolute nonsense. Were you not 14 before ? Did you steal 450 from your parents ? Would you have had the audacity to do such a thing. I think we all wanted certain things in our teens but most of us would never ever think to steal the money from our parents.

3. Some form of punishment needs to occur, charity and crime begins at home, if a person can steal at home, I can assure you they WILL steal outside. This is how parents have the police knocking at their door at 5am looking for their kid and they launch into the 'My son would never do that'.
Well your son is showing you he has no morals or conscience and you better nip this in a bud BEFORE he steals from someone else who WILL file a case against him.

4. Parents try and simplify these things, however remember if your son does this to a friend, aunt or stranger they will report him to the police as most people aren't lenient towards a little git stealing 450 from them! So control this behaviour now or it'll come back to disgrace you as parents in the future. This is NOT normal or right so do not for a second make him feel this is excusable.

5. Something is wrong with your parenting:

- Your child is greedy and not content with what they have
- Your child has no value of money
- Your child thinks it's okay to steal
- Your child lives a lifestyle which allows them to become this engrossed in computers.


Sort it out.

eskbanker

Angelinaxoxo wrote: »

5. Something is wrong with your parenting:

- Your child is greedy and not content with what they have
- Your child has no value of money
- Your child thinks it's okay to steal
- Your child lives a lifestyle which allows them to become this engrossed in computers.


Sort it out.

Assuming you can find a ladder long enough to get down from that high horse, you might wish to read the last couple of sentences of the OP!

opinions4u

Something is wrong with your parenting

It's a massive leap of assumption to say this.

Sometimes it has to hit the fan before a parent is aware there is a problem.

If a kid doesn't do anything wrong, ever, a parent is lucky.

If a kid learns from their mistakes because a parent ensures there are appropriate consequences and communicates well then a parent is a success.

Besides, perfectly good parents can, by fate, occasionally land a wrong 'un.

chattychappy

No matter how careful and measured OPs are when starting these threads, they always end up going the same way.

yangptangkipperbang

Don't wish to sound harsh - but the bottom line is that the boy is a thief. He stole from his mother - just why should the loss from that theft be transferred to another ? ie: Sony. In fact, it will be transferred to all Sony's customers................

DCFC79

You can definitely ask sony for a refund but dont get your hopes up, a suitable way to get round it is to sell the console plus any games, accessories to recover some of the £450.

meer53

Angelinaxoxo wrote: »

As someone who has experienced debit card fraud before:

1. The Bank are NOT liable for this, google cases such as this online, when a member of your own family takes your own card in your home the banks don't want to hear it, you have much better luck telling the banks you simply don't recognise the charges (too late for that). However, to tell them a 'friend' or 'family' member used it ? Forget it. The Bank are not liable for your choice of friends or questionable parenting.


2. To all the people saying a 14 year old is a child and they didn't know the difference between right and wrong, what absolute nonsense. Were you not 14 before ? Did you steal 450 from your parents ? Would you have had the audacity to do such a thing. I think we all wanted certain things in our teens but most of us would never ever think to steal the money from our parents.

3. Some form of punishment needs to occur, charity and crime begins at home, if a person can steal at home, I can assure you they WILL steal outside. This is how parents have the police knocking at their door at 5am looking for their kid and they launch into the 'My son would never do that'.
Well your son is showing you he has no morals or conscience and you better nip this in a bud BEFORE he steals from someone else who WILL file a case against him.

4. Parents try and simplify these things, however remember if your son does this to a friend, aunt or stranger they will report him to the police as most people aren't lenient towards a little git stealing 450 from them! So control this behaviour now or it'll come back to disgrace you as parents in the future. This is NOT normal or right so do not for a second make him feel this is excusable.

5. Something is wrong with your parenting:

- Your child is greedy and not content with what they have
- Your child has no value of money
- Your child thinks it's okay to steal
- Your child lives a lifestyle which allows them to become this engrossed in computers.


Sort it out.

Wow ! How judgemental are you ? Did you actually read the original post ? You feel the need to post this ^^^ just because you have experienced debit card fraud before ?

As a newbie, i'll give you a tip - read and and understand the post and the replies before commenting.

zagfles

chattychappy wrote: »

No matter how careful and measured OPs are when starting these threads, they always end up going the same way.

:rotfl:yes, 90% clueless rubbish!