OD Problems. Under 16!

fiendishly

Don't you have to be 18 to use ebay and paypal?

dickibobboy

Anyway, We went in, Explained and they have put the balance back to 0.

Paypal has been payed off and the Bank account has been removed and just the card is registered there.

Roll on online banking!

C_Ronaldo

fiendishly wrote: »

Don't you have to be 18 to use ebay and paypal?

what he said

eyelinerprincess

Yup. Your son shouldn't have even been USING Paypal never mind getting OD because of it.

egamar

I was just about to say what ts_aly2000 said. As a minor he is incapable of making a contract with PayPal or the bank. If one or other don't pay up smartish, get down the small claims court (metaphorically).

OTOH: the moral of the story (which is also I think what you were looking to find) is always read the small print and whenever a financial instituion sends you a terribly boring circular telling you about changes to their TS and Cs, despite how they dress it up these will never be in your favour!

OT3H: even as a 50yo bloke with big cojones and plenty of time to take on banks, privatised utilities, councils and whatever officious body is causing me annoyance, and generally winning: I wouldn't touch PayPal with a bargepole.

Their Ts and Cs are SO opaque as to be incomprehensible; they appear to be poorly regulated in the UK, if at all; they are impossible to contact; they are essentially a law unto themselves; their charges are obscene; they are puppets of Ebay; they splash Credit Card logos all over their site, but you DO NOT have section 75 protection or chargeback rights when using your credit card with PayPal, getting refunds for non-receipt of goods/services is next to impossible etc etc etc.

Debt_Free_Chick

Agreed, but watch out where a minor misrepresents themselves as someone who IS over 18 - as the OP's son may have done when accepting Paypal's T&Cs. Technically, this is misrepresentation by the applicant and the provider (Paypal) are not liable for that. Where misrepresentation is made with the intention of obtaining money or goods falsely, that's fraud!!! :eek:

Paypal seem to have taken the pragmatic approach and simply, as a matter of goodwill, put things right. My view is that they had no obligation to do so as they did not know the OP's son was a minor and when asked , he confirmed he was over a certain age, (by clicking to accept the T&Cs).

We all need to educate our children better when it comes to entering into contractual relationships over the internet. All too often, I suspect, they don't realise what they're agreeing to when they click "accept" :eek:

egamar

I can't disagree with the sentiment behind that - but I bet the relevant clause was buried DEEEEEEP in the long and unintelligible prose (and I used to read and write that stuff for a living. I was good at it. I cannot fathom PayPal's Ts and Cs with any certainty - an 18yo should not even be expected to!)

But that's the world we live in today, innit?