What happens when a company issues an under-18 with a store card?

ConfuzedGirl

Im not looking for symapthy- just advice.

That was what I thought this forum was for? Not for people to pass judgement on others and suggest that people: "grow up"

We all make mistakes andI try my best to learn from them because I can admit that I am a normal human-being and dont classify myself as "thesmartestpersonalive".

Im guessing you've never made mistakes judging by your comments?

(and to let you know: Yes I got a CCJ due to non-payment, but not knowing what the hell to do as a 17 year-old I tried to ignore my situation. Yes, I do know better now but I also know 30 & 40 yr olds who are in the same circumstances as I was then- ignoring the threats and have now got a CCJ, But because they are older than I am, I bet you dont post replies telling them to grow up do you!?)

nobblyned

so if you got a card, you didn't want it and knew it had been erroneously issued, why did you use it?

ConfuzedGirl

Because I was young and naieve and it seemed like a good idea at the time!

Ive already admitted to making a mistake- I wasnt old enough to know how potentially serious and damaging it could be!

ConfuzedGirl

Just to let Ned and "imbetterthanallofyou" man know- I do have parents, I have been b*llocked about this, and I do not need 'i told you so' remarks.

I am purely after advice on what people think I should do, It seems that you both cant remember the mistakes you may have made as a teenager unless you are the only two people in the universe that have never made any!???

Jeez!

nobblyned

I think you are getting a bit touchy! I didn't b*llock you as you so politely put it. It just seemed that you were out to put all the blame elsewhere, and didn't actually mention the fact that you must have used the card yourself to build up a debit.

A CCJ will stay with you for 6 years, and will affect your credit over that time. It might be worth trying to get this set aside by the court on the basis that the contract is unenforcable due to your age. how long ago was the court case, did you attend?

dmg24

How old are you now confused? Are you still under eighteen?

Without making any judgment, a point to consider is, do you think that you deserve to have the CCJ removed? Have you offered to pay back the money owed?

ConfuzedGirl

Sorry if I come across touchy but I do want to clarify that I am not here to lay the blame for my actions!
I just find it absurd that these companies do not check people's age- I doubt that it was a one-off and that its happened to other people (or their children etc.) but because I am the one who asks for some advice and admits to being an idiot and using the card I feel a bit iannoyed when people pass judgement rather than give any advice they may wish to share!
I wasnt just answering just to you on my last post- i was also answering to the arrogant person before you who I thought his comments were a bit un-called for, sorry if you took offence.
Whats done is done, I just want info on what people think I should do. If you dont have anything helpful to say other than: "why did you use the card if you know you shouldnt have" or along the lines of. Then please, save me the frustation of having to defend and expain my actions as a naive teenager that I was, dont bother.

The court case was about 3 years ago i think and no, I didnt go- I didnt even know you could attend! lol.

dmg24

I just find it absurd that these companies do not check people's age

TBH I find it absurd that people would lie about their age in the first place.

I just want info on what people think I should do

I think you should accept that you have a CCJ and the reasons for it. I do not think you should challenge it.

ConfuzedGirl

No Im not still under 18, and im not entirely sure I do deserve to have a CCJ removed as obviously I am responsible for my own actions.

I just wondered where the law stood when it comes to company's not doing their job and issuing cards to ANYONE! If it is illegal to issue someone under 18 with a store card then im guessing that there is some kind of legislation that should make the companies check who they are supplying credit to is old enough to recieve it?! I dont know- thats why I am on this website, with a thread!

dmg24

No Im not still under 18, and im not entirely sure I do deserve to have a CCJ removed as obviously I am responsible for my own actions.

I think this is spot on, you have the right attitude.

Best of luck for the future x