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Xbox have taken £4000 pounds from our account
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Really? Why would they? Whenever this type of thread appears on a forum or even a newspaper article where people can comment, the vast majority come out with the sort of bull we've seen on this thread and the previous one. The retailer has the right to charge and should do so and it's all the kid's fault, string them up etc etc type drivel...AnotherJoe wrote: »In these kind of cases specifically, quite a few.
So why would they want to refund when most people think it's right and proper for them not to?
Factually liable according to who?Same for huge charges run up for people on mobile phone bills.
Not necessarily "pity" , perhaps I shoudl have said "they might takea view its in their best interests overall to annul the charges" even if the user might be legally and commercially liable.
There are many examples you can find for gaming and telephony where an organization has reversed or massively lowered these type of huge costs even though the user, factually is liable
Err...fear of a legal case - what does that tell you??Thats just one reason. There are other grounds such as avoiding bad publicity, fear of a legal case (causing bad publicity or a preecedent)
Strawman alert - I didn't make that argument. There are sometimes commercial reasons why companies wouldn't enforce what they're legally entitled to, usually for PR reasons. For instance travel insurance companies paying out when someone does stupid when drunk and the policy has an exclusion for being "under the influence". They don't want headlines in the Sun highlighting that they won't cover you if you've had a drink, because they want people to buy their insurance even if they aren't teetotallers.and I'm sure, because corporations are actually made of of people who sometimes have discretion to "do the right thing".
Your argument that they will only retract if there is no legal standing to charge is demonstrably wrong since there are numerous examples to prove the opposite.
I was talking about this type of case. Which as above most people seem to think they are right not to refund so why would they think it's the right thing to do, or would get them good PR?0 -
If the box didn't even require a password, the retailer hasn't got a leg to stand on. Demand a chargeback from your bank, simply state you did not authorise the charges. The retailer will have to provide proof of authorisation from the cardholder. If the box allows purchases to be made with stored card details without asking for a password, or a CV2 number, it's the retailer's risk. If the box did need a password and you gave it to your stepson then the retailer may have a case to dispute a chargeback (but even then not a strong one).
Not sure i agree.
If there was no password protecting the account to make authorised purchases, then yes, you could claim there is nothing in place to prevent unauthorised purchases.
However if that feature exists and you choose not to use it, or not setting a complex enough password, then the retailer won't be at fault.
@OP, i don't really think there's much advice that can be given in this situation. The xbox account should have a transaction history, you could make a list of where the purchases were made, and plead directly to the retailer for refunding these payments. They may offer a goodwill gesture, however with the number of people who seem to fall into this trap, they'll likely just say it's your responsibility as the card holder to ensure that its not abused.0 -
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Maybe if you'd explained a bit more up front then you wouldn't have had some of those comments.Weve got all the money back from xbox--- fraud as all difrent IP addresses!! Hacked I believe the correct term is..
There were a lot of unanswered questions that would have cleared it up fairly quickly.Remember the saying: if it looks too good to be true it almost certainly is.0 -
As I was reading through the thread, my first thought was "I wonder if this was one of the accounts that got 'stolen' when XBox Live got hacked over Christmas and over 1 million user's acount details and payment info got lifted".
Glad it turned-out all right in the end.
I am acctually surprised though that in this day and age, services such as Microsoft's XBox Live and Sony's PSN do not have the ability to detect the fact that payments are being requested from IP adresses other than the one assocciatted with the device and block them.
If my bank can stop a payment until I have confirmed I had made the purchase just because I have used my card in one Town before making an over the phone purchase from a retailor several hundred miles away within half an hour, then surely surely the tech giants could do the same?.Never Knowingly Understood.
Member #1 of £1,000 challenge - £13.74/ £1000 (that's 1.374%)
3-6 month EF £0/£3600 (that's 0 days worth)0 -
It's up to the retailer to provide proof of cardholder authorisation. VISA and Mastercard provide provide "features" to help prevent unauthorised transactions. Like CV2 number, like VBV, Mastercard Secure. If the retailer chooses not to make use of these security features, then they take the risk, unless they can provide some other proof of cardholder authorisation, like only accepting transaction from a fully secure and password protected account. Otherwise where is the evidence of cardholder authorisation?Not sure i agree.
If there was no password protecting the account to make authorised purchases, then yes, you could claim there is nothing in place to prevent unauthorised purchases.
However if that feature exists and you choose not to use it, or not setting a complex enough password, then the retailer won't be at fault.
The OP has already had a full refund. Do keep up@OP, i don't really think there's much advice that can be given in this situation. The xbox account should have a transaction history, you could make a list of where the purchases were made, and plead directly to the retailer for refunding these payments. They may offer a goodwill gesture, however with the number of people who seem to fall into this trap, they'll likely just say it's your responsibility as the card holder to ensure that its not abused.
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As I was reading through the thread, my first thought was "I wonder if this was one of the accounts that got 'stolen' when XBox Live got hacked over Christmas and over 1 million user's acount details and payment info got lifted".
Glad it turned-out all right in the end.
I am acctually surprised though that in this day and age, services such as Microsoft's XBox Live and Sony's PSN do not have the ability to detect the fact that payments are being requested from IP adresses other than the one assocciatted with the device and block them.
If my bank can stop a payment until I have confirmed I had made the purchase just because I have used my card in one Town before making an over the phone purchase from a retailor several hundred miles away within half an hour, then surely surely the tech giants could do the same?.
I can purchase from any device and from any countries Xbox Live in the global market.
Do you want to stop me having this option?0 -
Just saw the account was hacked, ignore lol glad you got a good outcome to your problem!0
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