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  • FIRST POST
    • karljt2013
    • By karljt2013 13th Oct 18, 11:10 PM
    • 81Posts
    • 19Thanks
    karljt2013
    Friend's Daughter has spent 450 on Roblox without her knowledge
    • #1
    • 13th Oct 18, 11:10 PM
    Friend's Daughter has spent 450 on Roblox without her knowledge 13th Oct 18 at 11:10 PM
    My friend went to the shop tonight for supplies and was shocked to see her card declined. She immediately went home to check her bank history and found exactly fifty eight transactions of 7.69 for in game currency over three days.

    We have been checking the time stamps and 27 purchases were made in a one hour period on the 11th October . She knew nothing of these transactions. She had bought in game currency once in July for her kid's excellent work at school but she didn't know other things could be purchased without the three digit code on the card.

    Her rent is due in 4 days and all her money has gone on roblox currency. The reference on the ststement (58 of them) is all microsoft because Roblox was downloaded from Windows 10 store.

    Do we have any way of getting this money back? Who do we contact? Halifax, Microsoft, Roblox or all three?

    Do Halifax not share any responsibility for allowing 27 x 7.69 purchases within the space of one hour? We are despearte for answers . I don't even know which forum to post this in so I have posted it in two sections for visibility.
Page 1
    • molerat
    • By molerat 13th Oct 18, 11:30 PM
    • 19,463 Posts
    • 13,664 Thanks
    molerat
    • #2
    • 13th Oct 18, 11:30 PM
    • #2
    • 13th Oct 18, 11:30 PM
    https://www.moneysavingexpert.com/news/2018/04/my-son-spent-150-on-fortnite---how-to-avoid-an-unexpected-bill/
    Although the article is specific to Fortnite all the points are relevant to any game.



    Comes up time and time again. The main one at fault is your friend for not pass coding / blocking in app purchases and having the card linked to the account. The child should have clearly been warned about purchasing things in these games. That said there may be some scope in getting a goodwill refund from one of the parties as mentioned in the article.
    Last edited by molerat; 13-10-2018 at 11:32 PM.
    https://www.helpforheroes.org.uk/give-support/donate-now/
    • Chino
    • By Chino 13th Oct 18, 11:37 PM
    • 547 Posts
    • 287 Thanks
    Chino
    • #3
    • 13th Oct 18, 11:37 PM
    • #3
    • 13th Oct 18, 11:37 PM
    Your friend should report these transactions to Halifax as unauthorised and request they be charge backed to the merchant because they were made with neither her knowledge nor authorisation.
    • elsien
    • By elsien 13th Oct 18, 11:43 PM
    • 17,419 Posts
    • 43,931 Thanks
    elsien
    • #4
    • 13th Oct 18, 11:43 PM
    • #4
    • 13th Oct 18, 11:43 PM
    Your friend should report these transactions to Halifax as unauthorised and request they be charge backed to the merchant because they were made with neither her knowledge nor authorisation.
    Originally posted by Chino
    Presumably she authorised them when she linked her card to the account.
    All shall be well, and all shall be well, and all manner of things shall be well.

    Pedant alert - it's could have, not could of.
    • Edi81
    • By Edi81 14th Oct 18, 8:06 AM
    • 540 Posts
    • 502 Thanks
    Edi81
    • #5
    • 14th Oct 18, 8:06 AM
    • #5
    • 14th Oct 18, 8:06 AM
    Serves her right.
    Far too many of these in the press for people to plead ignorance.
    • robatwork
    • By robatwork 14th Oct 18, 11:19 AM
    • 4,610 Posts
    • 5,179 Thanks
    robatwork
    • #6
    • 14th Oct 18, 11:19 AM
    • #6
    • 14th Oct 18, 11:19 AM
    Just to clarify, are you saying her kid spent this "currency" legitimately but without her permission, or that something fraudulent or mistaken has gone on with her account?

    I know it seems obvious it's the former, but you aren't specific.
    • Edi81
    • By Edi81 14th Oct 18, 11:32 AM
    • 540 Posts
    • 502 Thanks
    Edi81
    • #7
    • 14th Oct 18, 11:32 AM
    • #7
    • 14th Oct 18, 11:32 AM
    Plus it does seem strange that she authorised this in July and 3 months later this happens.....
    • meer53
    • By meer53 14th Oct 18, 11:35 AM
    • 9,305 Posts
    • 13,534 Thanks
    meer53
    • #8
    • 14th Oct 18, 11:35 AM
    • #8
    • 14th Oct 18, 11:35 AM
    Plus it does seem strange that she authorised this in July and 3 months later this happens.....
    Originally posted by Edi81
    Not really, the card details will have been stored from the July purchase and the daughter has only just bought the currency. Common practice.
    • karljt2013
    • By karljt2013 14th Oct 18, 2:04 PM
    • 81 Posts
    • 19 Thanks
    karljt2013
    • #9
    • 14th Oct 18, 2:04 PM
    • #9
    • 14th Oct 18, 2:04 PM
    Your friend should report these transactions to Halifax as unauthorised and request they be charge backed to the merchant because they were made with neither her knowledge nor authorisation.
    Originally posted by Chino
    She rang Halifax last night and they say they won't take any responsibility because it isn't fraud (her daughter did it). We are very unhappy with that response. Especially consideing they allowed twenty seven 7.69 transactions through unchallenged in the space of 51 minutes. If that isn't enough to trigger an anti fraud system I don't know what is. They only stopped paying out when she ran out of money at 6pm last night. We are going to try the resolver tool next.
    • colsten
    • By colsten 14th Oct 18, 2:13 PM
    • 9,338 Posts
    • 8,248 Thanks
    colsten
    She rang Halifax last night and they say they won't take any responsibility because it isn't fraud (her daughter did it). We are very unhappy with that response. Especially consideing they allowed twenty seven 7.69 transactions through unchallenged in the space of 51 minutes. If that isn't enough to trigger an anti fraud system I don't know what is. They only stopped paying out when she ran out of money at 6pm last night. We are going to try the resolver tool next.
    Originally posted by karljt2013
    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.
    • karljt2013
    • By karljt2013 14th Oct 18, 2:30 PM
    • 81 Posts
    • 19 Thanks
    karljt2013
    Just to clarify, are you saying her kid spent this "currency" legitimately but without her permission, or that something fraudulent or mistaken has gone on with her account?

    I know it seems obvious it's the former, but you aren't specific.
    Originally posted by robatwork
    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.
    • karljt2013
    • By karljt2013 14th Oct 18, 2:32 PM
    • 81 Posts
    • 19 Thanks
    karljt2013
    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.
    Originally posted by colsten
    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
    • By DCFC79 14th Oct 18, 2:39 PM
    • 32,776 Posts
    • 20,647 Thanks
    DCFC79
    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.
    Originally posted by karljt2013
    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
    • By IanManc 14th Oct 18, 2:55 PM
    • 701 Posts
    • 1,255 Thanks
    IanManc
    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.
    Originally posted by karljt2013
    That was your friend's mistake, not Halifax's.

    Yous should never assume.

    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.
    Originally posted by karljt2013
    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
    • By DCFC79 14th Oct 18, 2:58 PM
    • 32,776 Posts
    • 20,647 Thanks
    DCFC79
    Can I just note I bank with Halifax and I'm satisfied with the service provided.
    • ColdIron
    • By ColdIron 14th Oct 18, 3:01 PM
    • 4,746 Posts
    • 6,215 Thanks
    ColdIron
    I think 27 x 7.69 payments being allowed through in 51 minutes is a total failure of any fraud system
    Originally posted by karljt2013
    But it wasn't fraud. In what way has the fraud system failed?
    • shortcrust
    • By shortcrust 14th Oct 18, 3:17 PM
    • 2,127 Posts
    • 3,252 Thanks
    shortcrust
    But it wasn't fraud. In what way has the fraud system failed?
    Originally posted by ColdIron
    A very, very good question.
    • soulsaver
    • By soulsaver 14th Oct 18, 3:22 PM
    • 2,092 Posts
    • 951 Thanks
    soulsaver
    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.
    • Dime Bar
    • By Dime Bar 14th Oct 18, 3:52 PM
    • 562 Posts
    • 228 Thanks
    Dime Bar
    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
    • By trailingspouse 14th Oct 18, 4:44 PM
    • 2,947 Posts
    • 4,789 Thanks
    trailingspouse
    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.
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