Shit... what have I just found?

[NameChange73939399]

Name changed so as not to link to other threads.

Just been tidying up while DP is at work. Went to tidy his latest bank statement into the paperwork file. I always put his paperwork away for him, but don't normally read it, I don't know what prompted me to read it today.

There are loads of transactions for apple.com/bill

Multiple transactions per day, ranging from £0.99 to £19.99. I added them up and it comes to over £700 in the last month, which seems like a crazy amount of money.

What is this? App purchases? Gambling? Is there anything legitimate that this could be?

I feel bad for having looked, it's none of my business, we have separate finances, but what if it's a problem?

We each pay some bills (nothing in joint names) but I'm due to start maternity leave in the next couple of days, I can't afford to cover 'his' bills if something odd is going on.

Any ideas? Please tell me there is a reasonable explanation.

I really hope you get this sorted.

I'm the type that would notice suspicious transactions because I have my banking app on my phone and check it regularly, but my partner wouldn't have a clue. It could take him weeks to notice something like that.

Wow. Sincerely wish I could not miss £700-£1000 going out of my account.

Hope its sorted OP, I doubt my DH would have noticed, he goes onto his online bank once a month, pays his Barclaycard, barely checks it and has a reasonably high balance in there so probably no idea what the balance should be, I bet loads of people are like this. I on the other hand check mine almost daily so would instantly notice a discrepancy.

Has he changed his Apple ID and password.

Sincerely wish I could not miss £700-£1000 going out of my account

It's easy not to notice if you don't look properly. Chances are they have a big unpaid credit card bill or overdraft to deal with,unless they can get it refunded.

I'd be cross that the bank's anti fraud procedures have failed so badly. They're supposed to detect unusual spending patterns and alert card holders or even block the card.

I hope he's telling you the truth, OP.
Did you check statements back to Christmas, when did this actually start?

@BarbaraofSeville it’s only easy not to notice if you have way more than £1000 spare after bills are paid. If even £700 was missing from my account that would be the entirety of my ‘free’ money. That’s what I mean.

Blimey. I hope you get the money back.

I do have to say though I'm.a little sceptical he both didnt notice and the bank also didnt pick it up. Dp and I have both certainly had payments stopped amas a result of fraud checks. And one was a regular occurrence.

I would also notice as that sort of money is all I have for the entire month after rent, council tax etc!

I can only dream of being well off enough not to notice .

Hope you get your money back OP.

Be interested to know apples response please as another £10.99 charged to Apple today no invoice or record of what this relates to

We noticed this last month and it turned out it was the additional amount we pay to listen to 40 million songs on Amazon Prime rather than the standard 2 million.

Sorry to derail, but what is there to spend money on with Candy Crush? I've had periods of addiction of that over the years, but its very easy to get extra lives by going to phone settings and changing the time to 5 hours in the future to get a full set of extra lives

Do they not sell power ups as an extra?

Ahh I expected that to say amazon not apple. Wonder what the £7.99 is for then.

We started having a lockdown disco at 5pm everyday with the kids and I must've clicked on amazon music for that.

Thanks for the heads up

Amazon music doesn't show up as Apple. Apple Music shows up as Apple!

I heed this when I noticed 7.99 going out weekly. It has been for 5 weeks and I hadn't noticed. Turns out dd had installed an app, deleted it straight away but it doesn't mean they don't charge.

Sometimes kids can sign you up to 'free trials' which become regular payments through iTunes. Make sure your kids know never to download an app that has a free trial.

I'm bewildered that he didn't notice this. I know lots of people don't go through their statements but surely just opening one like this and giving it one glance would show something odd was going on - if nothing else it must have been pages long to add up to something like that if the sums were that small.

me and dh have a joint account so he wouldnt notice but i check everyday just incase someones hacked our account or something

he should really take more responsibility if its just his money

It's easy not to notice if you don't look properly.

I'd say it would be very easy to spot when I went to use my card and it was declined. We don't have £700 spare a month. If that left our account we'd know within a few days without ever going near a statement.
The lack of awareness of some people on MN to how poorer families live is incredible. No wonder the Eton educated government can't grasp it if high wage earning forum parents can't.

You don't have to have a high wage to not miss £700 for a few weeks because it's not always real spare money.

If it came out before his main bills, he might not notice until the bills didn't get paid.

If he had an authorised overdraft, which come automatically with many accounts, the bank would have just paid it and got him into debt.

Or if it was on a credit card and he had a DD set up to pay the minimum payment, it could all just tick over for months - if you run a credit card well, the banks just increase the limit whether you can afford to borrow the money or not and many people have limits far higher than they will ever use. DM probably has an income of under £10k pa and probably has access to credit of two or three times this, simply because she uses her card for some of her normal spending so the bank keep increasing her limit.

It's not a lack of awareness of 'poorer families'. Of course there are poorer families who's cards would stop working if some of their money was taken like this. But you don't have to be 'Eton rich' or even on an above average income, to have access to a few hundred pounds, on paper at least, that you wouldn't immediately notice had gone missing because it's an unspent overdraft or credit card limit, not real money.