son gambling on cc card which doesnt have cash transactions

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  • missile
    missile Posts: 11,690 Forumite
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    If you can(?) you would be cheaper to get a loan, pay off the balance and cancel that card.
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  • Enterprise_1701C
    Enterprise_1701C Posts: 23,409 Forumite
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    I notice in the thread title that you use the present tense.

    I hope you have now taken your son off this credit card?

    It's no good extracting a promise from him not to do it again, if it is an addiction he will do it again if he can.
    What is this life if, full of care, we have no time to stand and stare
  • frugalmacdugal
    frugalmacdugal Posts: 10,077 Forumite
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    Hi,


    did you have card linked to PayPal, or did son do that as a way round things?
  • mcpitman
    mcpitman Posts: 1,267 Forumite
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    Your fault, your decision to give your son access to your credit card.


    Why on earth do you think you are entitled to anything other than the money owed to you from your gambling addict son?


    Why did you give your son access to this feature in the first place if they are untrustworthy?
    Life isn't about the number of breaths we take, but the moments that take our breath away. Like choking....
  • meer53
    meer53 Posts: 10,217 Forumite
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    Asda have not done anything wrong here. Maybe not what you want to hear but it's correct. I can't see them agreeing to any refund of fees or putting anything on 0%. Sort out a repayment plan with your son and get Asda to remove him from the account !
  • msallen
    msallen Posts: 1,494 Forumite
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    appleblossum wrote: »
    Hopefully my OP made it clear im not looking for any loopholes here

    I think your fingers must have slipped on the keyboard and accidentally added the word "not" there.
  • kazwookie
    kazwookie Posts: 13,843 Forumite
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    1. You need to have strong words with your son.
    2. You need to get the card back off your son, and close down any loopholes he has to this account, so he cannot add anything to the amount.
    3. You need to point your son to help for his additicion
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  • shortcrust
    shortcrust Posts: 2,697 Forumite
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    edited 9 August 2018 at 9:27AM
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    It's simple really. It's the card holder's sole responsibility to ensure they don't go over their credit limit, and that applies just as much to any sub-limits such as a cash limit. Furthermore, some cards charge cash advance fees and interest on gambling transactions but crucially do not treat them as cash transactions when it comes to cash limits.

    Tastyhog (a username which paints a picture:)) said it all in the first reply. No, no, no.

    EDIT to add: In this situation I can see myself investigating ways to reduce the debt as the OP is doing, but my son certainly wouldn't know about it. I'd make sure he felt 100% responsible for the mess.
  • appleblossum
    appleblossum Posts: 20 Forumite
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    Ok confession time...i am the son and yes i have removed myself from the account. Actually i didnt do anything dubious re Paypal. i added the card for genuine household purchases. when my father was ill. It was inutially by chance i saw the bookie took paypal and that was that..not relevent to the dispute i guess but see how long you can go getting woken at 4am to change your fathers clothing after he soiled himself AND hold down a stressfull job during the day..anyway i think i get the consensus of opinion and so far the £36 fees other than interest is not life changing. Oh and i paid 10% back already...
    MODS please close thread now as i think any further responses wont be constructive
    When you know you have a bad credit rating:
    1) When your bank wont even let you go £10 o/d
    2) When you cant even get a payday loan
    3) Your local restaurant asks for payment up-front before serving you lunch:)
  • Enterprise_1701C
    Enterprise_1701C Posts: 23,409 Forumite
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    Sorry, that does not cut it.

    My FiL was ill with spinal cancer. Basically meant he lost control.

    My MiL and BiL both had to cope with all that ensued. MiL very elderly, BiL single man living at home but running his own company, so yes, very stressful for him, he had to continue running a business, look after FiL's needs, look after MiL's needs, and try and stay sane.

    Unfortunately he no longer has to deal with FiL's needs, but he did not turn to gambling to cope with it.

    Oh, and not sure, but I think you can close the thread for yourself.

    Well done for fessing up though, and good luck in paying it back. But PLEASE find a different way of dealing with the stress.
    What is this life if, full of care, we have no time to stand and stare
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