Hi everyone, thanks for your kind words and feedback, it is a bloody nightmare at the moment I have to say. It is the worse of both worlds with money and family involved.
I am not getitng very far with the casino at the moment as it (as people have said on here) is difficult to prove it was not me as all my details were used. Even if they do believe you, you are relying heavily on a gesture of good will as they are not at fault at all.
It was my debit card that was used to fund this and it was verified by visa etc which makes it even more difficult to prove. Unfortunatly it appears all he really needed was access to my emails to do this.
I believe he got the details of my card (which could either have been a scanned image on my PC or in my sent mail where I have sent them to a bookie in the past) and then you can go through the forgotten password routine which I believe just relies on you knowing the card info and access to the email address (I cannot do that at the moment to test it as I have cancelled the card).
It is not really an option to go through the recover it from the family route unfortunatly....
I am getting more and more of a picture of what happened that night but really at this stage it will not help a great deal other than helping me to try and stop something happening like this again. The down side is it is makes me feel more of a numpty and at the same time increasing the desire to wring his neck!!
From memory, if you've got the physical card, to reset the password all you need is the cardholder's date of birth.
Originally Posted by Roked
Which obviously wouldn't require a massive amount of logic for a family member
Maybe asking for a chargeback on the card is worth thinking about? Probably be as difficult as going down the route of asking the casino for a refund though for similar (but not quite the same) reasons.
I'm very surprised you managed to have a large amount go through to a casino instantly even if the verifiedbyvisa password was entered. In the past the times I've tried to put £xxxx through to gambling related sites on my card, even though I've completed the vbf check the transaction is still blocked and won't go through until I verify over phone that I requested/know about the transaction (after which I can do the same transaction again and it will be successful). It is a pain but to be honest I don't mind doing that at all especially when large amounts are involved.
So that said, if your bank didn't block the transfer then maybe try asking for a chargeback or w/e it's called, might be worth a go at least (although may get tricky when it comes to the details).
So the little bastard changed the Verified-By-Visa password? Wow this is some scary shit mate.
I have a Verified-By-Visa passphrase that I chose when I got my card. To be honest I can't remember how it was chosen nor what the procedure would be to change it. Would it be by calling the bank and doing it that way? What a mess.
Good grief what a mess. If it was anyone else it would be a simple case of fraud - and a calculated fraud at that. It's not like he simply transferred a sports float in Betfair to the casino.
Bank/Casino etc etc but the fact is that the Nephew stole the money and has to take responsibility. Without that confession then I suspect the bank will not do anything. With a confession the casino would have to look at whether it was contracting with an under 18 year old. You need a confession to progress I would suggest.
Consequence wise I don't know, this is into criminal law as well as civil law I would suggest. If your brother/sister/nephew show no signs of suggesting a remedy then it's up to you to shop him if you want. If you get a confession I suppose there is a chance things can be reversed. If there is no sign of remorse/willingness to pay back then a lack a consequence to his actions might do more harm then good.
If it's a 'let this one go' then I would force him to at least raise exactly the same amount you lost for a charity of your choosing. He might learn something from that.
I did like the suggestion of selling everything he has on eBay though.
I really feel sick for you on this one.
Geez this is simply awful. Really sorry to read about this Roked - must be difficult for you to find a solution without exploding on this youth. I'd be tempted to fetch the cops in (in the hope that it would prove to the casino that it was fraud) but can also fully understand this is difficult and probably wouldn't go down well with relationships - sort damned if you do or don't situation. Just hope that you will get the goodwill gesture from the casino.
I'm sorry too Roked, how awful for you
I agree with that.
Originally Posted by Dazzler
I have thought about that as I have a form on the way from when I cancelled the card. What is frustratingly difficult about all of this is I have no proof, he effectivily masqueraded as me as far as anything online goes so it is my word against his. I also suspect that even if he confessed it to someone in authority, it would not carry a huge amount of weight with the bank or casino as he is family.
Originally Posted by munk
I have virtually never been blocked from making payments unfortunatly even large amounts to BF / Moneybookers via my card. I think I have only had it 1-2 in my numerous years with the bank. I am also fairly certain that even if that had occured dont they just ask the standard questions that any family member is likely to know anyway? If there is a passphase as mentioned above I have no idea what mine is either lol.
As much as I would like to go down that road, recovery of the funds from him or his parents is not really an option. Yes he could go and do something like a paper round or something but it would only be a nominal thing which is not really worth it financially but as people have said it 'may' contribute to the recognition of doing something wrong. The only other option is to start getting it when he starts work but I would imagine it would be considered water under the bridge by then and a miguided mistake of youth or something like that anyway...
Has he a tv, psp, cd's , a mobile phone etc? He should sell everything he has on ebay and give you the money... Yes it wont be much, but this boy needs teaching a lesson.. If he can steal from family, my God, what else does he get up too?!!
I read your update Roked. That's truly awful; it sounds so calculated on his part - is it some kind of cry for help, or is he just a little sh1t?
Once I'd established he didn't need psychological help (and I'm being serious), I'd suggest to his parents that they discuss it and agree a suitable punishment / repayment scheme with him. Obviously, he can't pay it back with a paper round, but he needs to pay back enough to understand that actions have consequences, and to be made to feel grateful that he's not being given a criminal record over this.
The "security questions" issue is why I use fake mother's maiden name, etc. Where necessary, I have the banks note on their file that it is fake, and then it's just a random word or words that I've selected. Different for each account. So no family members or anyone who steals my personal data could guess how to reset my account access anywhere.
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