microsoft charged my mom 1month of gold and 12month to my moms debit card

And then? The only thing wrong here is that your mother let a child who can't form a sentence convince her to charge something to her card. If you can't write I also have doubt about your reading comprehension. I am one hundred percent convinced you didn't understand what you had read and now your mother is stuck with service.

I would also like to point out she should take your XBox and give you a book.