Friend's Daughter has spent £450 on Roblox without her knowledge

18cc

How old is your daughter is she legally able to make credit card payments I seem to remember somewhere about refunds being made when the purchase of was underage and could not legally be held liable for the purchases

Tyler_Durden_UK

ColdIron wrote: »

But it wasn't fraud. In what way has the fraud system failed?

While I agreed that the childs parent(s) should have understood better. Don't modern banking systems have checks / alerts for patterns of spending outside of the norm ?

Joyce7199

Surely the account holder will be able to make a fraudulent claim to reclaim all the money seeing as the transactions was made without her knowledge or authorisation.

DCFC79

Joyce7199 wrote: »

Surely the account holder will be able to make a fraudulent claim to reclaim all the money seeing as the transactions was made without her knowledge or authorisation.

The counter claim to that is the parent had the card details stored on the account from a past purchase, as far as im concerned the bank shouldn't be accountable nor should Microsoft be.

colsten

Joyce7199 wrote: »

Surely the account holder will be able to make a fraudulent claim to reclaim all the money seeing as the transactions was made without her knowledge or authorisation.

They can make a claim - a real claim, not a fraudulent claim - but the likelihood that such a claim will result in a refund is next to nil.

Think about it - if all you need to do for a refund is say your child made the purchases without your knowledge o. authorisation, everybody would have a rogue child and claim their money back after having played their games,

DCFC79

colsten wrote: »

They can make a claim - a real claim, not a fraudulent claim - but the likelihood that such a claim will result in a refund is next to nil.

Think about it - if all you need to do for a refund is say your child made the purchases without your knowledge o. authorisation, everybody would have a rogue child and claim their money back after having played their games,

The excuse would only work a set number of times before the banks would work out what was happening and dont pay out.

pmduk

Tyler_Durden_UK wrote: »

Don't modern banking systems have checks/alerts for patterns of spending outside of the norm ?

They're not failsafe, they're there to protect the bank and not for the consumer to rely upon.

MEM62

Joyce7199 wrote: »

Surely the account holder will be able to make a fraudulent claim to reclaim all the money seeing as the transactions was made without her knowledge or authorisation.

As has been pointed out earlier in this thread, the transactions were not made without her authorisation. Authorisation was given when she set the card up on the account. The fact that the OP did not check the terms and conditions and did not put into place the safeguard that were available is does not make the transaction fraudulent.

robatwork

colsten wrote: »

They can make a claim - a real claim, not a fraudulent claim - but the likelihood that such a claim will result in a refund is next to nil.

Think about it - if all you need to do for a refund is say your child made the purchases without your knowledge o. authorisation, everybody would have a rogue child and claim their money back after having played their games,

DCFC79 wrote: »

The excuse would only work a set number of times before the banks would work out what was happening and dont pay out.

This is how Amazon's algorithm works - if you return a certain number of items (even if completely genuine faults) they will at some point refuse to have you as a customer.

18cc

i dont think you can 'authorise' a minor to make the payments.