My 13 Year old child received a debt letter

ajaney

FWIW I think that when children are playing games online trading 'virtual' furniture, it would not be outside the realm of possibility that the child thought that paypal was a 'virtual' bank account of sorts - even the name is a bit childlike if you think about it!

I think the OP got a bit of a rough ride on here before we knew the facts. Now I know what has happened, i think Habbo & Paypal are in the wrong.

GeorgeUK

I think it's right for kids to be held accountable as they know what right and wrong are at that age. They may not fully understand the consequences of their actions, but they should know if they're being bad or good.

It's strangely apt that the age is younger in Scotland - when i was in Primary school in Paisley there were kids we knew that carried knives when not in school. That's about the right age.

I don't however think you can put the onus on the parents. Who actually brings up the children - parents are at work and come home, but where do the the children spend most of the day? If the discipline in schools and lack of respect is allowed to deteriorate, i hate to think of some of the little angels that will be coming along soon.

Pudsey_Dave

This week I received a demand on behalf of Paypal from Intrum Justitia,
last year I had the same from another collection agency Robinson Way & Company Ltd, of Salford Quays, Manchester, as well as from another comany whose name escapes me, but where also of Salford Quays, Manchester.

The main things that these have in common is that they all are claiming differing amount, from differing named accounts,(although similar to my name), and mainly although I have looked at Paypal and filled in all my details, I never actually activated an account. I have googled Rob' Way & Co Ltd. and have found that they seem to make a habit of this.

Are there any letter templates that can stop these sometimes harsh and in my opinion threatening demands.

littlepinkstars44

bandraoi wrote: »

Criminal Law

Until you're 18, you can't partake of civil law. You can't enter into complex contracts except in very limited circumstances which is why you can't buy a house, own property or indeed vote.

Children under 18, can own property, they could be left it in a will for example.
I have just passed (yay) my law class today and we got told this when we done contract law.

mrcow

Pudsey_Dave wrote: »

Are there any letter templates that can stop these sometimes harsh and in my opinion threatening demands.

In short, yes there are as I've seen them on here, but I'm not too sure where to find them. Are you sure that they are all chasing the same "debt"? You need to get to the bottom of where this debt has arisen from.Your best bet would be to start a new thread on the "Debt Free Wannbe" boards and ask the question again as your post's at risk of getting a little lost on this thread.

GeorgeUK

I'll PM Pudsey this link incase he was just browsing.
http://forums.moneysavingexpert.com/showthread.html?p=11570893#post11570893

Plenty of template letters on that thread.

evenasus

POSSETTE wrote: »

littlepinkstars44 wrote: »

well i say done.

well your showing yourself up to be very uneducated..someone tried to help you come across better by saying "i did this " even better would be i studied this..!!! glad im not the only one who gets peeved at this sort of thing..who is it with the signature "i bid" not "i bidded" ? that makes me laugh..

Call me pedantic :rolleyes: but...

It's 'Well you're' as in you are - not your is as in yours.

Cazza

littlepinkstars44 wrote: »

Children under 18, can own property, they could be left it in a will for example.
I have just passed (yay) my law class today and we got told this when we done contract law.

In English law (not sure about Scotland) you cannot own land or property under the age of 18, it has to be held in trust.

MyLastFiver

POSSETTE wrote: »

well your showing yourself up

It's "you're" not "your". People in glass houses, and all that.

Getting back to the point, I agree that if the kid has had the benefit of the goods/services, he should pay for them. If I was the parent I would pay it off and get said kid to pay me back over time.

Edit: Just read this:

He didn't receive any goods, apparently he was trading virtual furniture from the website habbo hotel with other kids online. My guess is someone has paid him for something through paypal, he has then spent the money buying furniture from someone else, then someone has put in a claim which paypal have deducted from his account.

The virtual furniture is indeed a good/service.