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.

Almost 2 grand in 2 months, that's a decent sized mortgage.

Hope ok op

Did you speak to your OH OP?

Did you find out what had happened @NameChange73939399 ? I hope it was some mistake and not in-app purchases.

@notapizzaeater

If you mean changing the date, go into your settings, put the date 1 day forward, then into CC, your lives will be back up, then out of CC, back to your settings, put the date back then enjoy!

If you meant entertainment to stay awake, let's pretend i'm not that sad that i change the dates to carry on playing

Thanks everyone. We think it's fraud. Waiting to hear back from Apple and the bank.

Aw great OP. So pleased it wasn't your OH. Fingers crossed you get it resolved (and your chap needs to check his bank balance more regularly!!!).

oh thats good, in a not good way but better htan a issye x

Are you seriously saying he hasn't noticed £1700 missing over the last 8 weeks or so? Hmmm.

Hope it gets sorted x

BobbieDraper my DH would not have a clue what was in any of our accounts or whether £1700 was missing. No need for the Hmmm.

I hope you get the money back, OP.

I'm a suspicious cow, but hope you've seen the emails/ live chat/ phone calls in progress, not just assumed he's done it when he says "I've called the bank".

Meanwhile, if the payments haven't come from his devices presumably you'll get the $1700 back, which is great. Hope it worked out ok.

So.. he had the bank statements out... but hadn't noticed hundreds of apple transactions he didn't make? Didn't notice £1700 missing? OP... please be cautious.

@BobbieDraper

Are you seriously saying he hasn't noticed £1700 missing over the last 8 weeks or so? Hmmm.

It could easily take me 1 - 2 months to notice that sort of money going missing.

I'm not rich but I have some small savings in my current account I'm trying to decide what to do with which would mean it would take a few months before it would hit an overdraft limit.

I don't check that account that much because pretty much everything going in/out is direct debit (Including a big one every month to the joint account) so £4.99 / £19.99 here and there would easily pass under the radar for a while.

Our joint account which is where our day to day spending happens and does get checked regularly.

Lots of people wouldn't notice that missing in dribs and drabs, poor financial management but not necessarily anything more. He needs to get wise and the OP wouldn't be stupid enough to just take his word he's called the bank surely?

Be interested to know apples response please as

another £10.99

charged to Apple today no invoice or record of what this relates to

my DH would not have a clue what was in any of our accounts or whether £1700 was missing

Mine neither. Not interested and takes no notice. I told him that our average credit card bill (used for all spending then paid off in full each month) had gone down by more than half during lockdown and he had no idea what we weren't spending hundreds a month on, despite me barely driving anywhere in about 3 months and him having to take packed breakfast, lunch and coffee to work every day because there was nowhere open that he would usually go to.

Good job I keep an eye on things.

If it's fraud and not a keen gaming DH then maybe you can get at least some of the money back. Moneysavingexpert has advice on similar cases.

www.moneysavingexpert.com/news/2018/04/my-son-spent-150-on-fortnite---how-to-avoid-an-unexpected-bill/

Have you taken the card off his Apple account and changed the password?

He hadn't read the statements at all so he's kicking himself about that. We checked his account and phone together though and I was there when he made the calls.

Main thing is that we've stopped them being able to take anything else, but I think it's going to take a while to get the money back.

My Dd spent £40 I never got it back. I did talk to the bank and they blocked any more money going out.
She had to pay me back from her pocket money, lesson learned.
I caught it quick as I check the account often or it could have been a lot more.

I can fully believe he didn’t notice the money going out. My DP has a ridiculous distrust of online banking and literally goes into a branch to pay in money and make payments.

Fortunately he earns a lot more than he spends but I don’t think he has any idea how much money is in his current account. I despair

This is the best case scenario in terms of your marriage! I hope you can get the money back too.

They have separate finances, so he would know what money goes in and out of his own account. The OP doeant manage it for him.

OP said they dont earn enough to spend that sort of money on gaming so it's really unusually that he didnt realise the money was gone.

Who was taking the money and how???