To think son took this?

[OnlineHipur]

Name changed as don't want this thread to follow me around

Son is 16 and a few days ago husband (not his dad) noticed son money missing from his account. Today he's looked at his statement and he hasn't been to these shops and spent this
£15.00 at GAME, £5 at tesco and £20 at MAC.

Do you think this is son? What should I do?

Bank now! I've had fraudulent amounts taken from my account this month spent at GAME, smiths toys, MAC and last month it was small amounts I didn't notice. Thank goodness NatWest were on the ball when they went in for hundreds this month. Alert your bank now. They'll be able to tell where the payments were made. One of the ones they queried with me had been made on my phone and they knew. (It was me)

He's probably panicking.

I'd allow the police to come to him.

I would contact the Bank too and ask to check those transactions.
Say you dont recognise them and ask if they have been paid with a pin or contactless.
Ask the Bank for some advice (I imagine they will block the card first and foremost). and see what they think has happened.

Now if the bank actually says they can see it is a fraudulent activity, what will it do to the way you see your ds?
And if you more or less get confirmation it was your son?

No he didn't deny it but he didn't say it was him either. He just said ok and went upstairs

Well if one of my dcs had been told there was some unusual transactions on my account, their answer would also be 'ok'. they wouldnt feel the need to defend themselves because they would assume it doesnt have anything to do with them??
It depends on how you presented the issue and if you hinted heavily this was him...

I don't understand why him just saying 'ok' and not denying it is an admittance of guilt. If he had no knowledge of something why would it occur to him to deny it.

X-posted

He likely knows you're bluffing and that the Police wouldn't care for such low amounts.

Treat it as if it isn’t him. It’s probably fraud. Tell the bank it’s fraud and he didn’t authorise those payments. The police will get involved and check cctv. If it comes out as your son, that’s better than some stranger having your bank details and using the card. He won’t admit it was him and if you go along thinking it is him and it’s not you’re going to end up with lots of money going missing

What if the police won't investigate?

He's probably trying to think up a story. Presuming DH still has the card? I can't see someone cloning it and leaving it at that. Sounds like teenage buys too.

Police won't touch it for that amount.
They'll tell you to call action fraud who will review and pass it on to the local force if needed.
But for that amount, they wouldnt.
Your only way is to check with the bank (which again isn't guaranteed an investigation because it is so low),or to tactically deal with it at home.
Best to ask questions at the bank first though.

And the problem with CCTV is that for contactless transactions, they are not live. And the time of the transaction often comes through as the same time as the next chip and pin transaction to go through the card terminal

He's probably trying to think up a story.

Trial and conviction by MN judge and jury.

I mentioned the police to make him confess if he did take it.

I didn't make it seem like I suspected him though.

I mentioned the police to make him confess if he did take it.

I’d say nothing more for a day or two then mention that they’re going to be reviewing CCTV. That might get him to confess.

From what you’ve said it does sound likely that it was him.

He just said ok and went upstairs

Ha ha your DS wears the pants in the house.

Why didn't you just ask him rather than making a statement of fact?
"We're going to have to call the police and bank. Can I just check before we make ourselves look stupid - you didn't borrow the card did you?"

Jeeez .. what on earth is all the secrecy about???

Really don’t understand all the posters with the cloak and dagger scenarios!

Ask him outright! He’s your son! Why can’t you just ask him???

Why not just ASK him if he took the card???

If he wants money, he needs to get a job. Simple. Money doesn't grow on trees and he needs to learn that. If you don't approach him about it, he'll think he's gotten away scot free and do it again.

And if he denies it..
What then?
If the bank says it was the genuine card. Not cloned. Card is still in possession of DH. Has been returned. Not lost or stolen. Indicative of someone close in the family who has access to the card.
What do you do then?

Any update on this @OnlineHipur?