Skyline Markets - I think my son has been a bit silly

deniseb90

N1AK, he's 19, he's naive and he's vulnerable - I'm glad that he actually admitted he'd done wrong and wanted me to help. Yes, he could've rang the bank straight away, but in the cold harsh light of day it's easier to bury your head in the sand. Not everything's as cut and dried. I certainly wasn't confident at 19, even though I had a bleeding mortgage then! (how times have changed!)

AnotherJoe

Long term, the £200 is probably a very valuable lesson and worth every pound. There's plenty of [STRIKE]suckers[/STRIKE] the financially naive who lost their entire pension or life savings on what sounded like a great deal in ecological forests or rows of vines or parking spaces or student pods or cash in your pension aged 40 through this loophole schemesand on and on. From multiple tens of thousands up to hundreds of thousands of Pounds.

The £200 will forestall this kind of rubbish happening to him for his whole lifetime and end up being about the best investment he ever makes.

bigfreddiel

Why isn't your hard working son sorting this out for himself?

Cheers fj

AnotherJoe

bigfreddiel wrote: »

Why isn't your hard working son sorting this out for himself?

Cheers fj

Are you a parent? If so, did you just cut your kids loose at age 18 and boot them out the house ? Never give them any more advice? "Oh dear son if only you'd asked me yesterday, but you're 18 now, so tough. I can however advise you at my standard IFA rate of £150/hr. "

Like most children presumably he has asked for help and advice from their parents,who have more life experience, and this continues whatever the age until you get to about age 50 when the relationship seems to reverse.

iammumtoone

AnotherJoe wrote: »

Are you a parent? If so, did you just cut your kids loose at age 18 and boot them out the house ? Never give them any more advice? "Oh dear son if only you'd asked me yesterday, but you're 18 now, so tough. I can however advise you at my standard IFA rate of £150/hr. "

Like most children presumably he has asked for help and advice from their parents,who have more life experience, and this continues whatever the age until you get to about age 50 when the relationship seems to reverse.

^^I don get this you are 18 now sort yourself out and never ask me anything again attitude!
At 40 I still ask my Dad for advise and his opinion, and I now get to feel smug when he asks me for help with his laptop

bigfreddiel

bigfreddiel wrote: »

Why isn't your hard working son sorting this out for himself?

Cheers fj

By all means give your hard working son advice, but let him sort it out. He will never learn otherwise.

fj

summersetsheep

I admire the loving parenting of your son but at the same time, you shouldn't do too much for him so he becomes dependent.

Some of us in older generations were out of the house, employed and responsible adults at 16 in committed relationships.

Our parents gave us advice once and we listened to it because we respected them. When we fell down or were idiots we were helped up but were left and expected to learn and solve things by ourselves and as a result we are stronger people.

bigfreddiel

summersetsheep wrote: »

I admire the loving parenting of your son but at the same time, you shouldn't do too much for him so he becomes dependent.

Some of us in older generations were out of the house, employed and responsible adults at 16 in committed relationships.

Our parents gave us advice once and we listened to it because we respected them. When we fell down or were idiots we were helped up but were left and expected to learn and solve things by ourselves and as a result we are stronger people.

Precisely my point earlier fj

Eco_Miser

summersetsheep wrote: »

Some of us in older generations were out of the house, employed and responsible adults at 16 in committed relationships.

Some of us older generation were still at school at 18 (or even 19), and were not considered adults until we were 21 (even though we could have married at 16 with our parents' permission).
Are today's 19-year-olds really more mature than we were?

Flobberchops

This thread is starting to resemble the comments section on a Daily Mail article

Could I ask what type of card the payment was taken from (credit or debit), and what kind of transfer was used (bank to bank transfer, card authority payment, direct debit, etc).

Depending on the above it should be possible to raise a dispute for the payee, which *may* result in a refund through Visa Chargeback, or at the least should remove any ongoing authority to collect money from your son's account.

From 5 minutes of Google-fu Skyline Markets seems to be a real company - but that's no evidence that the phone salesperson was actually from this company, and at any rate I think you could put forward a case for your son being mis-sold a product that he didn't sufficiently understand. Come to think of it, does Skyline have a cooling-off period?

The idea that they require *more* personal details to process the refund is complete cobblers and tips my internal radar toward the "scam" end of the scale.

Best of luck if you decide to take this further. If not, your son got off relatively lightly. Best for him to be stung now for a week's wages than at the age of 60 and lose his life savings.