Drafting a letter to Suzy Lee analyzing and outlining the factual and legal issues in her case as well as the legal merits?

Suzy's CASE:
Suzy Lee comes to you as a potential client.  During the initial interview Suzy  relates the following:

Jenny Lee, Suzy's twelve-year-old daughter, asked her for permission to spend twenty dollars on her Friendspot account using her mother's credit card in exchange for twenty dollars in cash. Suzy agreed and gave Jenny her credit card.  After making the purchase, Jenny returned Suzy's credit card.

With the twenty dollars, Jenny purchased Friendspot Credits from Friendspot for use in the game Smash 'Em Up. Subsequently and without any notice, Friendspot Credits system stored Suzy's credit card information. After the initial twenty-dollar purchase, Jenny made in-game purchases for which she thought she was spending virtual, in-game currency. However, they later found out that Jenny's credit card was charged repeatedly and without her consent, the charges totaled $759.50.

Upon discovering the transactions, Jenny's mom was furious and confronted Jenny.  Jenny told her mother that, other than the twenty dollar purchase that Suzy had approved, she never used Suzy's credit card again to purchase Friendspot credits.  Upon learning this, Suzy Lee submitted a complaint to Friendspot noting that she, the only authorized user of the credit card, had not authorized any such charges, and requested a refund for all charges.

Suzy Lee spoke with a Friendspot representative who assured her that the charges to her credit card would be refunded. However, a month later, when reviewing the credit card statement, Suzy noticed that Friendspot had only refunded $59.90. Suzy Lee contacted Friendspot again to request a refund for the additional charges to the credit card.  A Friendspot representative explained that Friendspot could not refund the other transactions, totaling $700.00, because those charges had been made more than 90 days ago.

After the meeting, you researching Friendspot and uncover some additional information:

Friendspot operates the largest online social network in the world and provides a payment system, Friendspot Credits, for users to make purchases within the Friendspot website.

Friendspot permits minors to register on its website and use its service