DD has had large sums of money put into her account

[MummyInTheNecropolis]

I noticed she had been spending a lot recently, and when questioned she said it was money she had saved up. I was suspicious so opened her bank statement today and she has received £500 from someone I’ve never heard of, in 6 different payments all made in the same day. She claims this must have been paid to her by mistake and she lied because she knew she shouldn’t be spending it. I don’t believe her, but I can’t think why someone would be paying her this amount?

I am planning to phone the bank but I don’t think they’ll be able to tell me much. I wondered if anyone here might have any ideas? DD is 14.

A nap seems unlikely in the circumstances.

Good luck OP. This must be hard to deal with.

What on earth is she spending it on?

This might have been said by others but as someone who works in child safeguarding this is a massive red flag for child exploitation and you should involve the police.

Hmmmmm really concerning..... let us know what she says OP.

@PotteringAlong

She’s not having a nap.

Have you been through her social media / bank accounts / emails?

I think this too, I take it she went for a 'nap' and took her phone with her? I'd be worried she's deleting like mad.

You must contact the police op.
The bank won't tell you anything as getting money into your account is not normally a crime. But the bank will work with the police to find the source of the money.
It really doesn't sound great op. Even if she hadn't done anything illegal if she's received money into her account that the police/bank think has came from a dodgy source the bank will give notice to close the account and she will find it nearly impossible to get another account from any bank in the future. Her credit file will be massively impacted too.

Does she regularly have a nap or just disappear into her room for hours?

If so, you might know where she is, but not necessarily what she's doing!

I'd be worried that her "nap" time is being invested in covering her tracks too.

@Viviennemary

If I had to guess I'd say it was web cam type photos videos on line. Wake her up and give her the third degree.

She’s 14. OP has to reiterate she’s not in trouble to get to get to the bottom of this.

news.sky.com/story/revealed-how-fraudsters-are-scamming-teenage-money-mules-on-instagram-and-snapchat-11630666

You don't need to go out to be a mule. The ads are on Instagram and Snapchat. They lure teens using hash tags like "instant cash"

OP you are totally under reacting.
Take her phone/Ipads/laptops etc from her NOW and contact the police.

I think you're being way too passive, op. To hell with the nap, she's not 2 years old. Something very dodgy is going on and it needs to be addressed NOW.

OP has to reiterate she’s not in trouble to get to get to the bottom of this.

Yes, absolutely. It sounds like the child has been exploited in some way. She is 14 and she is a victim. She needs to know that she will not be in trouble, but she needs to be kept safe.

Cam work and now she’s deleting links and informing contacts

Just mentioned it to my DD who said straight away "bet shes a cam girl".
Are you quite sure she is "napping" OP?
I'd be doing what everyone here is advising and ringing the Police, whether she likes it of not.

Where’s her phone now?

It doesn't look good OP but grasping at straws, is she active on social media? Could she be making money as an influencer? I know it's something a lot of young girls are getting into.

Call the police, op. Your daughter is a victim of something illegal - she needs help.

Op you need to act NOW. I've never know my teens nap in the day even after a late sleepover night so she's either busy deleting/covering her tracks/coming up with a cover story, or she's up online at night. Does she have internet access at night even without permission is it possible? This is not the time for softly softly this is time for action and reassurance that help is coming with whatever shit she's got herself mixed up in. Get her up, sit her down and chat by all means but unless the bank have confirmed 100% this was a fraudulent transaction I'd be calling the police regardless of what she told me.

Take some responsibility op
You don’t get separate amounts of money on the same day paid into your account
Come on

Wake her up
Tell her you want answers now
Your going to the police
Take her phone or table or computer off her till you find out

Good luck, please don’t bury your head in the sand

You’re weirdly laid back about this all 😐

Why haven't you called the bank immediately?

There is no point talking to her before you have heard what the bank have to say about the account the money came from. They can tell you if it is a business, where based, a private acct etc.

And you can talk to most banks 24/7

And yes - have you actually seen her asleep?

How is her mood in general compared to normal? Her behaviour?

From what you have said I would think OnlyFans which allows
People to pay you for videos, send bonuses etc

Have you checked her phone/laptop to see who she talks to, OP?