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    • appleblossum
    • By appleblossum 8th Aug 18, 10:55 PM
    • 20Posts
    • 4Thanks
    son gambling on cc card which doesnt have cash transactions
    • #1
    • 8th Aug 18, 10:55 PM
    son gambling on cc card which doesnt have cash transactions 8th Aug 18 at 10:55 PM
    My son was added as an additional cardholder and been managing my finances whilst i have been in and out of hospital. To my shock i found out recently that he had managed to spend nearly 3000 on gambling transactions - this despite my card being only intended for purchases. It looks like these transactions went via paypal but were definitely identified as cash as for each transaction a 5 cash advance transaction charge has been added.

    I have started the dispute process but am no really clear on my rights and looking for some guidance. At a minimum i would expect:
    1) All the 5 fees to be refunded - no way are they profiting for their mistake in approving these transactions
    2) I think these transactions should be interest free - maybe moving to a different account till paid off?, again because they should never have been approved in the first place.
    3) Return of 2 over limit fees charged in the space of 1 week (first was added after their interest put the account over limit and then again week later when the account was overlimit after the statement date.

    I certainly expect my son to pay back the original charges (albeit as the primary card holder i am legally the debt owner). However, having said that, if i were to go to the FOS with this, couldnt the CCC be found negligent , not just in allowing these transactions in the first place but allowing practically the whole balance to be from these transactions - even legitimate cards that allow cash withdrawals normally only allow 50% of the balance to be from cash.

    Any acts/goverment papers i can use in this dispute to try and get ccc to meet my terms please? Thanks
    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
Page 2
    • Enterprise 1701C
    • By Enterprise 1701C 9th Aug 18, 9:31 AM
    • 20,925 Posts
    • 218,554 Thanks
    Enterprise 1701C
    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
    • Willing2Learn
    • By Willing2Learn 9th Aug 18, 9:33 AM
    • 2,297 Posts
    • 1,815 Thanks
    Ok confession time...i am the son...
    Originally posted by appleblossum
    Don't be sad or ashamed. Admitting something like this is a big deal and is the start of something better!! Don't forget Gamblers Anonymous exist. It may help to talk through your feelings.
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

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