Xbox live, child purchases; anyone successfully claimed money back?

peachyprice

zagfles wrote: »

After you click "buy now", what evidence is required that the user is the cardholder? CV2 number? Password? Does it even offer a confirmation of the CC to be charged?

If none of the above, the charge should be easy to dispute. A lot of retailers are happy to have an easy to buy mechanism which won't necessarily give them sufficient proof of cardholder authorisation if challenged, since making it easy to buy generates far more in sales than the losses when charges are reversed. Particularly for purchases with virtually zero marginal cost.

I'd be disputing this as an unauthorised transaction with the bank. Likely to get a fob off to start, but a letter threathening to go to the FOS could work.

And that teaches the child what exactly? That it's OK to download what you want because mummy and daddy will just get their money back?

Although if they do follow your advice at least Microsoft will close the account and that xbox will no longer be above to connect to the internet.

zagfles

WTFH wrote: »

Zag, my explanation to zaax in the other thread is the same as it is here...
The credit card is tied to the account. You enter the account password, not the credit card details. It works the same way PayPal and other online accounts work.
It's not an unauthorised transaction, you need to understand a little about how these accounts work before talking about disputes, chargebacks, etc.

Did the cardholder authorise the transaction? Yes or no? If you believe the OPs post, then the cardholder did not authorise the transaction. As such it is an unauthorised transaction by definition.

If a password was required to access the account, and it was made crystal clear that access to the account is only available to the registered cardholder, no-one else (not just buried in the T&Cs as per my first post), and the OP gave the child the password, then arguably the OP was negligent. But even if you are negligent, you can only be held liable for £50 of disputed CC transactions.

I'd still be raising this as an unauthorised transaction. May be worth another go at the retailer first, telling them you're going to raise it with your bank as an unauthorised transaction, and see if they offer a "goodwill" gesture.

zagfles

peachyprice wrote: »

And that teaches the child what exactly? That it's OK to download what you want because mummy and daddy will just get their money back?

Although if they do follow your advice at least Microsoft will close the account and that xbox will no longer be above to connect to the internet.

The kid made a mistake, are children really expected to understand that the purchase he made came of a credit card, not off pre-stored credit, or even virtual credit? What if a football manager game allowed him to buy a player for £2million, should his parent's card be charged for that :rotfl:

Retailers who have charging options in games aimed as children really don't have a leg to stand on, without some basic purchase authorisation challenge.

hollydays

pulliptears wrote: »

If we are going down that route shouldn't he be up cleaning chimneys at this point?

The kids is 12 FGS.

Pmsl.
You took my comment seriously!

hollydays

pulliptears wrote: »

It is quite clear, it's clear Hollydays has a problem with a 12 year old having an X Box. It's also quite clear that I posted because, well, it's a public forum and I can, and also because I completely disagreed with them, again something you get on forums, they are called 'opinions'

As for your post, well, why did you post then if not to have a dig at me?
:rotfl:

The predudice that thinks older people hate gaming and technology is just as bad as people who hate gaming.
My son has been an avid gamer all his life.
Honestly!:rotfl:

quidsy

We got an xbox one as a joint family gift & everythign is password protected, ds has his profile set to his age limit but everything else requires a password that only oh & I know, we bought 12 months xbox live from cdkeys for 26 quid & prefer to buy game discs, so no card will ever be set up on ours for this reason.

I also set ds up his own gmail (only I have the pw) to link his account at xbox, then i added it to my tablet & phone so that I can see every time he gets an email or if someone tries to buy something on his account. DS is 6 so doubt I have to be concerned yet, he only have just dance & lego superheros but I wanted to be on the ball regardless.

OP you need to learn from this & keep in control & tabs on all your kids techies business.

I feel bad for the op & others who get caught out like this.

hollydays

hollydays wrote: »

What's wrong with mr potato head and a game of snakes and ladders..

I'm still giggling now..

peachyprice

zagfles wrote: »

The kid made a mistake, are children really expected to understand that the purchase he made came of a credit card, not off pre-stored credit, or even virtual credit? What if a football manager game allowed him to buy a player for £2million, should his parent's card be charged for that :rotfl:

Retailers who have charging options in games aimed as children really don't have a leg to stand on, without some basic purchase authorisation challenge.

The child is 12 years old, old enough to read and understand a screen that it telling how much he is going to be charged. OP has made no mention of severe learning difficulties that would prevent his understanding and he's already demonstrated to his parents that he has a perfect understanding of how in-game credit purchases work, OP herself has said how wonderful he is at running up to her with his 69p for purchases on other media.

Is Fifa aimed at children? I thought it was a family game, aimed at adults and older children. Just because it has a pegi rating of 3, i.e has no swearing or violence, doesn't mean the target audience is 3 year olds.

hollydays

Bod-my Dad's bigger than your Dad..

bod1467

hollydays wrote: »

Bod-my Dad's bigger than your Dad..

Looks like I was right.

PS - since my Dad is a pile of ashes in an urn, then I can quite believe it.