Sons bank card missing - what would you do?

peachyprice

barba wrote: »

the "friend" has stolen a bank card this time, next time it could be shop lifting, then a car and what next; mugging old ladies, burglary?

Needs nipping in the bud. Suggest you read about broken windows theory

Where does OP say she knows a friend has stolen anything?

flutterbyuk25

Having worked with teenager boys for years, they do tend to lose stuff easily! So make sure you have searched his room, the car, the pockets of clothes he was wearing etc before you think the worse of others.

If you suspect the involvement of the other boys then could you speak to the their parents without accusing them? Something along the lines of "DS appears to have mislaid his cards, don't suppose your son remembers where he put them/left them/had them last so we can retrace our steps?". If it was taken then this approach may allow the cards to magically reappear in your house in a few days, or be found at a friends house.

They could well have just fallen out of his pocket or been left somewhere else.

duchy

Most eleven year olds travel to school "alone" (and he wasn't alone he was with friends.

OP suppose it was one of your son's friends who had lost their cards .....and the police turned up on YOUR doorstep to search your house and question your son. Would you be OK with it or would you feel with no evidence that he hadn't lost them rather than they were stolen it was a massive over-reaction ?

peachyprice

mgdavid wrote: »

can agree with most of that - but you avoided the question!
"Why does a 13 year old need to go out with a bank card?"

Once again, to spend the money in their bank account.

If they don't take the card when they go out how do they get money out of the account?

meer53

Why on earth do the Police need to be involved ?

As far as we know, no money has been taken yet. The cards are possibly lost.

My 13 year old took her card out with her when she was out with friends, it's not unusual these days. It's better than taking cash.

YORKSHIRELASS

The cards have been found! When he came home yesterday we turned his bedroom upside down and they were under his bed. I have absolutely no idea how they got there but the main thing is that they have been found.

Thanks for the replies. I have suggested to my son that we open a savings account then he can decide how much he wants to transfer over. Accounts for under 16s dont seem to have internet banking which is a shame.

peachyprice

YORKSHIRELASS wrote: »

The cards have been found! When he came home yesterday we turned his bedroom upside down and they were under his bed. I have absolutely no idea how they got there but the main thing is that they have been found.

Thanks for the replies. I have suggested to my son that we open a savings account then he can decide how much he wants to transfer over. Accounts for under 16s dont seem to have internet banking which is a shame.

Glad you found them,. good job you didn't call the police!!!

As for bank accounts, HSBC to an under 18's current and savings account that are both linked on internet banking, all of mine have had them, they work fantastically and because they're 'proper' accounts it's really easy for you to transfer money into both of them aswell.

hawk30

mgdavid wrote: »

can agree with most of that - but you avoided the question!
"Why does a 13 year old need to go out with a bank card?"

When I was 13 (and I'm in my 30s now), I had a bank card and I used when I went to into town with my friends to go to Pizza Hut, the cinema, swimming, etc. I grew up with a sensible attitude to money, so I'll be encouring my LO to do the same.

Pollycat

YORKSHIRELASS wrote: »

The cards have been found! When he came home yesterday we turned his bedroom upside down and they were under his bed. I have absolutely no idea how they got there but the main thing is that they have been found.

Thanks for the replies. I have suggested to my son that we open a savings account then he can decide how much he wants to transfer over. Accounts for under 16s dont seem to have internet banking which is a shame.

I'm glad you've found them and that it turns out that his friends didn't have anything to do with it.

Maybe have a word with your lad about being more careful with things that have a value in future.

barba wrote: »

You need to involve the police

barba wrote: »

the "friend" has stolen a bank card this time, next time it could be shop lifting, then a car and what next; mugging old ladies, burglary?

Needs nipping in the bud. Suggest you read about broken windows theory

As the cards have now been found, maybe you'd like to review your advice?

Suggest you read about 'innocent until proven guilty' theory.
Jeez! You had this lad's friends potentially mugging old ladies based on zero evidence.

Savvy_Sue

mgdavid wrote: »

can agree with most of that - but you avoided the question!
"Why does a 13 year old need to go out with a bank card?"

Do you not take your bank card out with you if you expect or need to be using it?

From the age of 11, youngsters can have accounts from with THEY can withdraw cash using the card, and / or spend money in shops using the card.

It is no use to anyone if left at home when needed.

I had one son who never took his out with him, until I stopped lending him money because he thought taking my cash was a better option than being responsible himself.

Missed page 2 before posting this. Glad the cards turned up, it is astonishing how stuff moves around a teenage boy's room without human intervention ...