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

societys_child

the purchase was not only unauthorised

Wrong, when the card details for the account were entered, future purchases were authorised. The op made no attempt to limit use of the card.

18cc

future purchases were authorised as long as the card holder made them ? or any future purchases by anyone?

IanManc

18cc wrote: »

future purchases were authorised as long as the card holder made them ? or any future purchases by anyone?

Future purchases were authorised on that account using those card details until the holder ended the arrangement - which is why the cardholder needed to take responsibility for securing the account or deleting the details, as has been clearly explained in this thread.

karljt2013

Halifax refused to refund point blank so I am taking them to the ombudsman. Letting so many rapid fire transactions through in a matter of minutes is a total failure of their responsibilities to monitor suspicious money movements. I don't care what many of you you "Holier than thou" types who frequent these forums say.

Microsoft, on the other hand were amazing (roblox was downloaded through the windows 10 store) . As soon as they found out her young age they refunded every penny. £465.00 but they made it clear if it happens again they won't be so accomodating.

DCFC79

karljt2013 wrote: »

Halifax refused to refund point blank so I am taking them to the ombudsman. Letting so many rapid fire transactions through in a matter of minutes is a total failure of their responsibilities to monitor suspicious money movements. I don't care what many of you you "Holier than thou" types who frequent these forums say.

Microsoft, on the other hand were amazing (roblox was downloaded through the windows 10 store) . As soon as they found out her young age they refunded every penny. £465.00 but they made it clear if it happens again they won't be so accomodating.

This could have been prevented if certain measures were made, takes a matter of minutes to setup.

I dont see how Halifax can be at fault.

karljt2013

It only takes a few minutes to set up if you are tech savvy enough to understand that it needs setting up in the first place. When you are a working parent with a boy and a girl - the boy plays fortnite and the girl plays roblox and you already have a thousand jobs to do this can be VERY easy to miss. The pester power can be immense. And the consequences of that mistake should not be your entire damn bank account being cleaned out by dozens and dozens of identical transactions.

Many of you guys are quick to judge without looking at it from a human level. We aren't all Sheldon Cooper from the big bang theory.

The week we have had getting this refund back has made me realise there needs to be an MP (or a public champion like Martin Lewis) who investigates these companies and I will explain why.

When we first rang Halifax in shock they said something quite peculiar on the phone. They revealed that they have a very close working relationship with roblox. And if you put on your conspiracy hat you start to wonder "Why the hell would a high street bank have such a close relationship with a computer game company?"

in our case the child spent £465 without permission. That was too much of a loss to shoulder so we had to approach all three companies (Halifax, Roblox and Microsoft) to plead our case.

Just think of the many thousands of times this has happened where the amount lost is too little to kick up a fuss. Anything under £100 and the vast majority of people would just scrap it as a loss. It's took us nearly a week to communicate with all three.

I maybe ranting here but underneath the surface something seems to stink to high heaven with these "In game purchases".

I wouldn't be surprised if somebody did some serious investigative digging there would be some pretty scandalous facts revealed. That is why I am taking halifax to the ombudsman. This is no longer about the money. I want to suggest to the ombudsman that there is some kind of mutually beneficial/symbiotic relationship between banks and these massive game companies.

Rant over.

foxtrotoscar_2

karljt2013 wrote: »

Halifax refused to refund point blank so I am taking them to the ombudsman. Letting so many rapid fire transactions through in a matter of minutes is a total failure of their responsibilities to monitor suspicious money movements. I don't care what many of you you "Holier than thou" types who frequent these forums say.

Microsoft, on the other hand were amazing (roblox was downloaded through the windows 10 store) . As soon as they found out her young age they refunded every penny. £465.00 but they made it clear if it happens again they won't be so accomodating.

Thought it was your friend's daughter...if so you can take it to the man in the moon if you like but YOU will get nowhere.

IanManc

karljt2013 wrote: »

Halifax refused to refund point blank so I am taking them to the ombudsman. Letting so many rapid fire transactions through in a matter of minutes is a total failure of their responsibilities to monitor suspicious money movements. I don't care what many of you you "Holier than thou" types who frequent these forums say.

Microsoft, on the other hand were amazing (roblox was downloaded through the windows 10 store) . As soon as they found out her young age they refunded every penny. £465.00 but they made it clear if it happens again they won't be so accomodating.

The bit I've highlighted is the equivalent of you putting your fingers in your ears and singing "la la la la I can't hear you". It is childish, and trying to insult contributors to the forum by calling them holier than thou just reflects badly on you.

There is no point in taking Halifax to the ombudsman because (1) they have done nothing wrong and (2) your friend has got all the money back from the recipient, Microsoft.

Blackbeard_of_Perranporth

Put the device on eBay to recoup the losses. If it does it recoup all of the losses, dock the pocket money.

zagfles

Blackbeard_of_Perranporth wrote: »

Put the device on eBay to recoup the losses. If it does it recoup all of the losses, dock the pocket money.

Do keep up. The money has been refunded. Despite the usual sanctimonious drivel on here.