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.

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

If she's actually napping then I'm an astronaut. (I'm not an astronaut). I think you need to wake her up now and call the police.

@Spanishmama0114

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.

Actually my bank now needs you to tell them why you're making the transfer, ie friend, family, services etc, something to do with money laundering and keeping a track I think it said.

What 14 yr old has a nap at this time? 🤔

Come on OP, she's already lied to you. She's not quite who you thought she was.

OP,

Just a word of advice, obviously something untoward is going on, however be very careful how you deal with this. Your daughter could be unknowingly be involved with some right scumbags who trust me would not take it lightly having their little money mule or whatever she is talking to the police.

For all those saying go straight to the police, you have not got a clue, how things run afterwards.

Keep calm op, get all those transactions sent straight back to the account they came from and get the account closed and the number changed. I have a feeling her friends are probably involved too.

You need the facts, and keep calm, your opening a can of worms.

I’m fairly sure it can’t be drugs, she hardly ever goes out without me, I can’t see how she’d hide it that well?

She didn't - that's how you found out.

Money laundering or she's sharing videos online.

She's unlikely to be napping; she's more likely hiding evidence of what she's been doing.

@SockYarn

It could of course be that someone meant to transfer money to someone else entirely and got your DD's account number by mistake.

It's not necessarily sinister.

Six times? Unlikely.

It may well be that she’s being sent gifts for ‘going live’ online. I can’t remember which social media app it is, I’ll ask my dd in a minute, but basically they put the camera onto live streaming and then just film themselves, sometimes with a friend, sometimes alone. It can be the most mundane thing (I’ve seen some some girls ‘go live’ whilst washing up and tidying the kitchen🙄) just pottering around their room, singing along to songs, mucking about with their friends, whatever. Most only allow their friends to ‘join the live’ but some have to open so that anyone can join and watch. The people watching can comment and send gifts. The gifts can range in price from a couple of quid to hundreds of pounds.

I only know this as my 14 year old dd has been watching someone’s live in the past and I’ve asked what it was. One that struck me was one girl (someone my daughter knows from school) who was just chatting to the camera while listening to music and doing her hair in her room and some random was repeatedly sending her £50 gifts! You can see a little icon of who’s sending it and it was clearly some gross old man but the girl was just saying oh thanks thanks every time he sent a gift and he just kept sending them. Apparently the money goes straight into your bank or Paypal.

@LeJollieJauneOiseau yes banks do ask that now but that's for you sending money and it's to stop money getting paid into wrong accounts in error as much as for money laundering
Receiving money is different. The bank should not be telling the op where the money came from but they will 100% investigate it and contact the police themselves of the op doesn't. If she does they will cooperate with the police.
It is so serious the op has to take action

Hope you manage to get to the bottom of whats happening

I'd be worried she's being used as a "money mule".

https://www.huffingtonpost.co.uk/entry/criminals-paying-school-kids-for-bank-details-in-money-mule-fraudukk_5bdc7b0ae4b09d43e31ea841

Apparently it’s on TikTok but you have to have 1000 followers to go live.

OP - it must be horrible reading this but please go and get your daughter and call the police.

You will not sleep tonight if you don’t act now and decisively.

This will not seem easier later tonight / tomorrow.

It’s probably just a wrong account number.

She doesn’t have a laptop or tablet, only the phone which is with me. She was asleep right next to me on the sofa. I am trying to stay calm as losing my shit with her will not help, she is with me, she’s safe, she has no access to her phone or the internet right now so I am trying not to freak out too much until I know more.

How odd

Could she have a second secret phone? I would think potentially sex work. She's being exploited :(

Cam work/only fans account/sugar baby/drug mule...something along those lines. You need to involve police. Your DD is a child she won’t be in trouble so long as she is honest.

I don't know anything about county lines, etc - but the first thing that I thought of was some kind of online porn (possibly because my DD had a friend who was involved in this a while back).

I don't believe the 'napping', either. I imagine she has taken her device/s for a "nap" with her. She's probably deleting like mad.

OP, if you haven't already "woken her up", you need to.

I'd say Onlyfans, snapchat premiums or being a sugar baby. You need to have an adult chat with her. If she's big enough to do these things she's big enough to tell you about it.

Go through her phone.

I’m fairly sure it can’t be drugs, she hardly ever goes out without me, I can’t see how she’d hide it that well? Also, do drug dealers use normal bank transfers to pay?

Drugs are awash in this world. Everywhere. Every country.

I'm sorry OP but you sound hugely naive.... and with a 14-year-old daughter receiving an unexplained £500 in her bank account, you need a crash course in modern reality.

Me? My first port of call would definately be checking her bank statements to see where this money is coming from and the police. They have all the resources to investigate this.

do drug dealers use normal bank transfers to pay? :-O
Well, yes. That's termed as Money Laundering. It's a billion-£ business all over the world. It finances real-estate, weapons, corruption everywhere. Taliban and IS finance their terrorist bullshit with it (heroin, amphetamines).

You really really need to protect your daughter now. Help her to open up without judgement. Please please protect her, and yourself/family.
All the best.

when my DD opened a bank account at 12, the bank was fairly clear that it was her account and that they wouldn't be sharing any details with me. Obviously if it was something criminal, then they would be liable to be share details, but the OP calling up the bank isn't necessarily going to help.

Shes probably being exploited by someone and the police need to investigate. You’d be amazed how easy it is to keep things secret from your parents.