How to get off debt with paypal (under 18)

[Inquality]

Recently, my friend told me this situation which happened to him.

Basically, in a nutshell:

He scammed this guy via paypal.

He spent the money which got scammed.

Scammed buyer attempted to recall the money, Ben tried to dispute it but failed.

Paypal got pissed and sent threatening emails to him

Few weeks later he was contacted by the NCO (a debt collecting company)

Friend told them 'As I am sure you are well aware, the Consumer Credit Act of 1974, including the amendments made in the Consumer Credit Bill of 2005, states that it is both illegal to grant credit to a minor without a cosigner of said credit and to enforce credit agreements upon a minor. Should I be further hassled, I will not hesitate to seek legal counsel'.

I'm sure the US has the same law, that is Britain's law anyway, also it does not have to be like that just mention that you are a minor and legally you cannot be forced to have a credit card. I'm also sure if you mentioned the fact the transaction was virtual they will not bother you anymore, but this of course applies if IT was virtual, if you lie they can check.


To which they replied: "Sorry sir, we will not be bothering you again."

I'd like to thank and give credit to my friend Ben ([email protected]) for providing me the information of his recent encounter.

[Nebzor]

------------------------------

[Inquality]

Right, edited.

[BankOfJones]

I think that if you tried this in the US you'd get screwed eventually down the line.

[password]

yes or go to jail for a few days for fraud

[Andorena]

Lol, made my day, because of the 1337 english xD
I can't even think of anything to say, especially if your a minor =)
But yeah if it's your native language then it makes sence =)

[Persian]

But under 18s arent allowed to make a paypal.
You pressed "i agree" when you made the account, therefore they could say that it was your own responsibility.

[Inquality]

It doesn't really matter, the fact that they do not actually verify your age just puts them more in hot water.

[mkzbrown916]

It doesn't really matter, the fact that they do not actually verify your age just puts them more in hot water.

What are you talking about.....company's like paypal live and die by terms of service, if you are underage and you start an account and agree to those terms of service "liability release" you are pretty much a pig on a platter to them.....just because they dont verify age doesnt mean that your free to do whatever cause they just go after you parents if you screw up.....go read the terms of service please you will understand after....look at wow TOS same thing.....gives them rights to ban you for WHATEVER REASON and it says they dont even have to give you a reason.....please talk on subjects you know a little bit about

[Lahtin3n]

What are you talking about.....company's like paypal live and die by terms of service, if you are underage and you start an account and agree to those terms of service "liability release" you are pretty much a pig on a platter to them.....just because they dont verify age doesnt mean that your free to do whatever cause they just go after you parents if you screw up.....go read the terms of service please you will understand after....look at wow TOS same thing.....gives them rights to ban you for WHATEVER REASON and it says they dont even have to give you a reason.....please talk on subjects you know a little bit about

Screw you man, depends on where you'r from.

I'm from Sweden, and if they do nothing to actually verify your age, you signing up on the website does not bind you to anything. And they can NOT go after my parents, as I am the one signing up and they do nothing to control that I'm over the age of 18 or that I have my parents approval.

[Dreadvizzle]

im not sure about laws in other countries, but i kow for sure that if your under 18 you CANT get credit. breaking the Terms of service or not, they can NEVER demand you pay anything you got in advance in norway if under 18.

and for the ToS issue, there are alot of laws that gives you rights wich CANT be waved for no reason whatsoever, this is the case with credit to ppl under 18 in norway.

[Nebzor]

-------------------------------------

[greggor22]

Don't forget the EULA/TOS is essentially a contract, and a minor's signiture on a contract is not enforceable (hence the need fo co-signers), anyone dragging a minor into court to enforce a contract will be laughed out of the room, probably open them up to a countersuit for malicious use of the courts (as it is obvious their case had no merit).

Bottom line: IF YOU ARE UNDER 18 this is foolproof, If you aren't they will most likely pull your credit report and find out that you are lieing.