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

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  • karljt2013
    karljt2013 Posts: 88 Forumite
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    colsten wrote: »
    People go on rants when they are not allowed to use the money in their accounts. You go on rants when they are allowed to use their money.

    The problem was created by your friend's daughter, and the root cause was that your friend had not protected her gambling account. The bank has no responsibility for your friend's failures.

    I think 27 x £7.69 payments being allowed through in 51 minutes is a total failure of any fraud system and just based on that information alone I would never bank with them on that basis. What if she had £5000 in the account? Or £10,000?

    They only stopped paying out when she ran out of money.
  • DCFC79
    DCFC79 Posts: 40,598 Forumite
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    karljt2013 wrote: »
    I think 27 x £7.69 payments being allowed through in 51 minutes is a total failure of any fraud system and just based on that information alone I would never bank with them on that basis. What if she had £5000 in the account? Or £10,000?

    They only stopped paying out when she ran out of money.

    The parent needs to be held accountable for it since they didn't put security measures in place.

    OP don't go making duplicate threads, you let the board guides decide if it needs to be moved.
  • IanManc
    IanManc Posts: 2,085 Forumite
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    karljt2013 wrote: »
    The purchases were made without knowledge or permission, but the bank card was used in July and must have remained on the account. She assumed you had to type in the three digit code to purchase more.

    That was your friend's mistake, not Halifax's.

    Yous should never assume.
    karljt2013 wrote: »
    I think 27 x £7.69 payments being allowed through in 51 minutes is a total failure of any fraud system and just based on that information alone I would never bank with them on that basis. What if she had £5000 in the account? Or £10,000?

    They only stopped paying out when she ran out of money.

    So you think that "27 x £7.69 payments being allowed through in 51 minutes is a total failure of any fraud system"?

    I don't think that. And more importantly neither do Halifax.

    I bank with them and I'm very happy with them. I'm sure they'll survive without you.

    The bottom line is that Halifax paid out transactions which your friend negligently authorised due to her wrong assumption.

    None of this is Halifax's fault. Nor is it Microsoft's fault for that matter.
  • DCFC79
    DCFC79 Posts: 40,598 Forumite
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    Can I just note I bank with Halifax and I'm satisfied with the service provided.
  • ColdIron
    ColdIron Posts: 9,052 Forumite
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    karljt2013 wrote: »
    I think 27 x £7.69 payments being allowed through in 51 minutes is a total failure of any fraud system
    But it wasn't fraud. In what way has the fraud system failed?
  • shortcrust
    shortcrust Posts: 2,697 Forumite
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    ColdIron wrote: »
    But it wasn't fraud. In what way has the fraud system failed?

    A very, very good question.
  • soulsaver
    soulsaver Posts: 5,976 Forumite
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    When TSB gave £5 cashback for debit card transactions, I'd do 20+ in 5 minutes every month and never had one stopped... Figure into that TSB isn't my main ac..and it was to my online casino account - so not that unusual either.
    Top Easy Access acs Ranked by rate: Top of The Pots - **No Chat** — MoneySavingExpert Forum
  • Dime_Bar
    Dime_Bar Posts: 584 Forumite
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    You friend really needs to get Thier daughters accounts setup correctly.

    Microsoft offer some really good tools to stop these kinds of things, people just don't use them. I suspect the Robux will have been spent by now.

    However give them a call and see if they will offer any goodwill gesture, there is a phone number on this page.

    https://support.microsoft.com/en-gb/help/28808/microsoft-store-contact-support
    The only way of finding the limits of the possible is by going beyond them into the impossible.
    Arthur C. Clarke
  • trailingspouse
    trailingspouse Posts: 4,035 Forumite
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    How old's the daughter??
    I'd be confiscating the device and stopping it (yes, all of it) out of her pocket money at the very least. This isn't fraud, it's someone who either (if it's an older child) hasn't explained to them how this works so that they understand or (if it's a younger child) has left them playing online unsupervised for far too long.
    I don't think the bank can be blamed for a basic lack of parenting.
    No longer a spouse, or trailing, but MSE won't allow me to change my username...
  • gt94sss2
    gt94sss2 Posts: 5,631 Forumite
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    https://en.help.roblox.com/hc/en-us/articles/203312650-Unauthorized-Charges-or-Stolen-Credit-Card
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