Unauthorised credit card use by our daughter aged 14?

I would take major issue with a couple of respondents who have said you are entitled to a refund. You are indisputably not entitled to any such thing. The product is not defective, it was ordered using correct card holder details, so you either dispute with Barclaycard with the effects you wish to avoid, you don't collect the package and save the extra costs, or you collect the package and make your daughter pay the full amount. You cannot have it every which way. Fraud HAS been committed, if you wish to avoid the normal consequences you must accept the financial lost. End of.

Add: I would also add that as part of the lesson your daughter clearly needs to learn, you should not be seeking to mitigate the problem by involving the seller. If YOU make the problem go away, then that is simply showing that she can do wrong and then have Daddy wipe up the mess.....

Her Name Wouldnt Be Fran By Any Chance Would It Cuz My Mate In School Used Her Mums Credit Card Like This I Find It Irresponsible That Teenagers Could Actually Stoop So Low Why Not Just Ask For The Money...Well Anyway Pick Up The Parcel Contact The Seller And Explain To He/She What Your Daughter Has Done Tell Them You Want To Return For I Refund Hopefully The Seller Will Understand Good Luck

your bank would still treat it as fraudulent, even if it was ur daughter. You need to call ur bank and say u want to dispute transactions on ur card as you have not done them, just simply tell them the truth.

Which bank is it with? I work for barclays so i'm pretty sure barclaycard would refund you. At the end of the day, no matter what way u look at it, it is fraud!

Hope u get it sorted.

EDIT:

It wouldnt affect ur daughter at all. she's only a kid.

A similar thing happened to my aunt through ebay. She had sold something to someone, sent the item out n stuff, and a couple of months later, found that the money that was paid for the item was taken back out of her bank account.

When she contacted paypal, they said that the transaction had not actually been done by the account holder, it was an unauthorised transaction done by the card holders child, and my aunt had not choice in the matter. The money was given back to the customer and that was that.

Was it a credit card or a debit card?

Call up 08457555555 which is barclays customer services, which is where i work, just explain that there has been a transaction on your statement that you do not recognise.

They will open an investigation to get the money back to you. Like i say it wont affect ur daughter at all, she's only 14 at the end of the day.

They will have have to block the card it was done on, and reissue a new card which will take 5 -7 working days to get to you. They will also send out some forms which you/your wife will need to sign and send back to say that you have not authorised for this money to leave the account, and theyw ill refund the money back to you.

It wouldnt make any difference whether it was ur daughter or whether it was someone who had copied your details online (proper fraud)

Both are still classed as fraud.

Give the bank a call, you;ve got nothing to lose.

Have HER check the company's website for their return policy. If it has one that allows returns, just follow it. If it isn't stated, she needs to email the company, explain the problem (including the custom and VAT fees) and ask if she can return it. Either they will say yes or no. If they say yes, problem solved. If they say no, you are no worse off than you were before. Most places, at least in the U.S., have some form of return policy -- some are more generous than others. With personal goods such as contacts, though, they may be unwilling to take them back as they probably could not re-sell them. But at least ASK. And she needs to do the asking -- she got herself into this mess, she needs to take some steps to get herself out. (And NO, I sure wouldn't turn around and give it to her as a gift!)

You've gounded her, which is good. Make it stick -- and make it severe. No friends, no computer, no cell phone, etc., etc. I hope she understands that if she even looks SIDEWAYS at your card again, you will ground her for the rest of her life! The technical term for what she did is THEFT -- she stole money from you. As your daughter, the bank wouldn't bother prosecuting her for that small amount, they would just tell you that it's your problem.

She needs to understand that she has broken trust in a major way and it will take a long time for her to earn it back. Plus, of course, she must repay the costs for this little escapade. This should not end up costing you a single shilling. If she has any savings, etc., then you should be repaid completely. If not, you and she need to figure out how she is going to repay you. She MUST repay you as part of her discipline.

The lenses were ordered from and delivered to the address of the Card holder. So there is no way the Seller could know that it was fraud. This is down to your Daughter.If you tell the seller the reason you don't want the goods they will most likely report the matter to the credit card company.

If you don't want the credit card company to instigating fraud proceedings against your Daughter I Would drop it and find a way for your daughter to pay you the money back.

Couldn't you just return the product? I know most companies in the US would let you do it. You might just have to keep the shipping fees and duty fees.

As to your daughter, be very careful where you leave you credit card and other sensitive items. She probably didn't mean to cause so much trouble, but you have to snap it in the bud now or pay the consequences later. You did right by grounding her, but make her pay for the extra charges by doing extra chores or community service.

I would collect the parcel, speak to the seller and send it back to them. If they get the product back quickly, they may refund you the full amount. I think you should be within your rights to claim a refund anyway.

As for the daughter - tell her she is to do chores around the house and will receive £10 a week. This £10 is then to be paid back to you until the debt is cleared. Then keep getting her to do the chores and pay her. Much cheaper than a cleaner and if she has some money of her own she may be less likely to pinch yours.

Relax! It's ONLY 30 bucks! At least your kitteh isn't into cat pron! Can you imagine all those disgusting kitteh photos taking up space in your PC?! Learn to love your kitteh for who she really is . . . a lover of soft jazz. Try broadening your kitteh's musical horizons though. Kittehs have been known to come around w/some musical education.

First of all, you are entitled to a refund for the product. Depending on their postage policy, they may have free return delivery otherwise you will have to fund the return postage. As for the import tax, I think that has to be paid regardless?? speak with the courier. As for your daughter, I would put a price next to a chore and make her work off the amount of money you are out of pocket. eg 50p for the dishes, £1 for hoovering the whole house etc.

The only way you could have recovered anything is if it was stolen, as if it was sometimes these people drop the charges