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URGENT - Need to make an excuse for a declined payment.

Hi TSR (I make accounts every now and then for questions only, not one of those trolls, I'm a regular lurker).

So I use a dating app, tried getting a month trial so I could see who liked me (10 people), didn't work for some reason. Then I got a call from my bank that the payment was declined. I don't want my parent's to know that I'm using dating apps (mentioned in the phone call), was really nervous. The call was not a scam.

I need an excuse. I made the payment through PayPal which is linked to my debit.

I'm very nervous in case it wasn't obvious. Need to know what to say to my dad before tomorrow.
(edited 2 years ago)

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So you need to make an excuse to your dad or to the bank?
Original post by GabiAbi84
So you need to make an excuse to your dad or to the bank?

My dad...
I don't like to bump but I need to do it here, sorry.
Original post by milknnuts99
My dad...


Literally anything else.
Does it have anything to do with him? Why will he find out?
(edited 2 years ago)
Original post by GabiAbi84
Literally anything else.
Does it have anything to do with him? Why will he find out?

The phone call mentioned who I paid to, in this case, the dating app.
Original post by milknnuts99
The phone call mentioned who I paid to, in this case, the dating app.


Yes, but why would your dad know that?
Did he take the phone call?
How old are you?
Original post by GabiAbi84
Yes, but why would your dad know that?
Did he take the phone call?
How old are you?

He picked it up when I told him to leave it. Yes. I'm 18.
Original post by milknnuts99
He picked it up when I told him to leave it. Yes. I'm 18.


Then why did the bank speak to him if he’s not the person on the account?
Was it your card or your dad’s?
Original post by GabiAbi84
Then why did the bank speak to him if he’s not the person on the account?

It was automated voice call.

Original post by Desideri
Was it your card or your dad’s?

Mine.
Original post by milknnuts99
Mine.


So what did you say to your dad about it already?
Original post by GabiAbi84
So what did you say to your dad about it already?

I lied to him that I didn't make the payment. He's now guessing that someone has had access to my account.
Original post by milknnuts99
I lied to him that I didn't make the payment. He's now guessing that someone has had access to my account.


Well by lying you’ve made this into a bigger issue than it should have been.
Not really sure how you can backtrack on that now without just telling him the truth.
Original post by GabiAbi84
Well by lying you’ve made this into a bigger issue than it should have been.
Not really sure how you can backtrack on that now without just telling him the truth.

If I told him the truth, he'd go mental. My mum would find out too.
Original post by milknnuts99
If I told him the truth, he'd go mental. My mum would find out too.


So instead he thinks what? That someone’s hacked your account?
Original post by GabiAbi84
So instead he thinks what? That someone’s hacked your account?


Maybe, I don't think he sees it that way. I could tell him that it was a bug in the system?
The deeper you dig yourself into this hole, the harder it'll be to get out. You should tell the truth while you can.
Original post by milknnuts99
Maybe, I don't think he sees it that way. I could tell him that it was a bug in the system?


So he thinks that your bank is compromised??
Just be honest with it. There’s no other way that you get out of this.
Just tell him you remembered what the payment was for and that the phone call came out of the blue and caught you off guard. What you tell him the payment was for is your business.

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