"I rang up Tesco Bank and they said, because it was my daughter, they couldn't do anything about it. So I tried Apple again - they just read me their terms and

"I rang up Tesco Bank and they said, because it was my daughter, they couldn't do anything about it. So I tried Apple again - they just read me their terms and conditions. So that's when I contacted the BBC, You and Yours, consumer programme." Within a day, Georgina said that Tesco Bank contacted her to say they would refund the full amount. That's crazy. When an unauthorized user transfers funds, it's the unauthorized user committing a crime against the bank, with the bank having the responsibility to correct the customer's account and the unauthorized user owing the bank the money. When a young child commits a crime it is their parents who are responsible, therefore the person who owes the bank money is the mother whose money was taken in the first place. She doesn't deserve a refund.