Multiple unauthorised transfers from PayPal by 16 year old daughter 6 October 2020 at 9:20AM in Reclaim bank & credit card charges 53 replies 2.4K views

macman

maryjane11 said:

CocoM2020 said:

How did she log into her mums account?

I don’t know, but without permission. Mother did renew her password just prior to this so assuming daughter was in vicinity to take note.

In which case mum will be considered to have been negligent with securing the p/wd, or to have actively shared it with daughter. 

noitsnotme

The situation is not that different to the child taking the mothers bank card and PIN and taking money directly from the account via a cash machine.  Would the bank agree to give mum the money back in that scenario?  It seems different organisations have different approaches - I found this example where a foster child stole parents credit cards - Barclaycard refunded but Creations did not.  I don’t know the outcome of the FOS case...

https://www.thisismoney.co.uk/money/experts/article-7752669/ASK-TONY-Foster-child-stole-credit-cards-paying-price.html

SweetPotatoPie

You’re not listening to what anyone is saying as they don’t agree with you. She may have been underage but she was clever enough to know exactly what she was doing. I don’t think “your friend” has a leg to stand on. When I make a PayPal payment, I get a notification on my phone (not my email address) and I don’t understand how she went weeks without checking her bank account. 

Hasbeen

The mother and OP clearly think Paypal are responsible? and want the stolen money repaid by them.

Rather than coming to the conclusion the daughter was actually responsible. But not in effect asking for repayment from her.

If Paypal refunds them, both Mother and daughter have gained.

This should be settled by the family only and to tell fiends and allow this to be posted on a public forum is in my opinion wrong.

The daughter should pay this back by whatever means possible.

maryjane11

Hasbeen said:

The mother and OP clearly think Paypal are responsible? and want the stolen money repaid by them.

Rather than coming to the conclusion the daughter was actually responsible. But not in effect asking for repayment from her.

If Paypal refunds them, both Mother and daughter have gained.

This should be settled by the family only and to tell fiends and allow this to be posted on a public forum is in my opinion wrong.

The daughter should pay this back by whatever means possible.

I’ve clearly stated that PAyPal should refund the mother and debit the daughters PayPal account ,so not sure how you think that “both have gained.”. If daughter then doesn’t go on to repay PayPal I’m sure they have their procedures.


as for the poster who thinks 

k12479

This case seems a little different from the others linked to. If I understand correctly it goes:

Mother's debit card -> Mother's paypal account -> Daughter's paypal account -> Daughter's bank account -> Cash withdrawal

I suspect that if the mother makes too much noise and bangs on about 'daughter too young for a paypal account!' rather than 'daughter committed a crime', then she might find herself being suspected of being complicit.

gary83

The problem with the OP somewhat optimistically just hoping for a Chargeback or a refund & no consequences for the daughter is if that’s the outcome then what’s stopping all of us transferring money to a child’s account, withdrawing that money, spending it & then claiming it had nothing to do with us and all the money should be replaced? Financial institutions don’t become big successful companies like PayPal by leaving such a glaringly large loophole. The unauthorised withdrawal/theft was the daughters responsibility, expecting to get away with it Scott free might be a step too far.

powerful_Rogue

maryjane11 said:

Hasbeen said:

The mother and OP clearly think Paypal are responsible? and want the stolen money repaid by them.

Rather than coming to the conclusion the daughter was actually responsible. But not in effect asking for repayment from her.

If Paypal refunds them, both Mother and daughter have gained.

This should be settled by the family only and to tell fiends and allow this to be posted on a public forum is in my opinion wrong.

The daughter should pay this back by whatever means possible.

I’ve clearly stated that PAyPal should refund the mother and debit the daughters PayPal account ,so not sure how you think that “both have gained.”. If daughter then doesn’t go on to repay PayPal I’m sure they have their procedures.

The paypal account of a fraudster? I'm presuming that account has well and truly been suspended by paypal as it was created by a 16 year old that lied.

CocoM2020

The daughter has definitely gained - over a thousand pounds it seems. What did she even spend the money on exactly? And if she had to take that from her Mums account I would say no chance at all of PayPal getting one penny off her. 

k3lvc

With respect @maryjane11 you're deluded if you think anyone other than Mother/Daughter are responsible for this and if you are a genuine bystander and you're making any such suggestions to the 'Mother' then for gods sake stop.

Whichever way it's spun the daughter is responsible and if the claim is that she's not legally of age to be responsible then the Mother certainly is and needs to step up to her parental responsibility