Landlord - Untouchable.

Tokmon

Turmeric said:

Turmeric said:

AdrianC said:

Another vote here for it almost certainly being a standing order, not DD.
If it really IS DD, then he's laughing - he just tells his bank, they refund him.
If it's SO, then it's entirely his own fault.

Is there a reason he didn't have online or phone banking earlier?

Given his "vulnerability", do you have power of attorney over his affairs? If not, none of these people should even be talking to you, unless your son has given them his explicit written permission for them to deal with you on his behalf.

AdrianC said:

Another vote here for it almost certainly being a standing order, not DD.
If it really IS DD, then he's laughing - he just tells his bank, they refund him.
If it's SO, then it's entirely his own fault.

Is there a reason he didn't have online or phone banking earlier?

Given his "vulnerability", do you have power of attorney over his affairs? If not, none of these people should even be talking to you, unless your son has given them his explicit written permission for them to deal with you on his behalf.

Hi he knows it is his fault, he is simply asking for the money back. He has only himself to blame. When I mentioned vulnerability I didn't mean he was a vulnerable adult I used it in the wrong content for he what I should have said instead was he is young and it was his first time leaving home so there was a lot he didn't know. My Son knows I am trying to help him get his money back. He has tried and failed. Landlord has ignored us both.   

Hi he didn't need on-line banking before neither did I but because of Covid and the banks were closed then when they did open where I live they were only open from 10am to 2pm and the queues were over an hour just to get in and he works so he wasn't able to get to the bank so he and I then got on-line banking. And it was then he knew the money had been taken out.

Well what you have said in this thread showed that he did indeed need online banking and if he has learnt his money management "skills" from you then i would definitely say you both needed it before Covid!. 

It's very concerning how he is just happy to throw away £2100 and make no attempt at all to claim it back. The fact that he also never opens his mail and just withdraws what cash he has and spends it without even checking is back is also concerning. If he carries on like this he will have severe financial problems all his life.

MaryNB

zagubov said:

Let's cut some slack for the tenant. He's a teenager with no life experience who's trying to cope with starting independent life during a once-in-a-century situation that the government and its tame media are trying to pretend isn't a global catastrophe.
He's got enough on his plate.
I'm much more concerned how we can suggest he tracks down this ignorant exploitative ex-landlord so they both get the outcome they're legally entitled to.

I made terrible financial decisions as a teenager. My first summer job at 17 was just off one of the main shopping streets in Dublin - disaster! It was about two or three years before I got internet banking (at that time only a quarter of the population used it) and I got a huge wake up call at the end of that summer when I compared the numbers on my P45 to my bank balance. I learned my lesson after that.

OP's son is living away from home which unfortunately for him means he needs to grow up a bit faster than someone living their parents, he is signing up to tenancy agreements, paying rent, paying utilities, setting up standing orders at time when pretty much all of your banking can be done on a mobile phone. In the last 10 years or so I've only ever been into a branch when an issue requires ID verification.

I can see how a particularly laid back 19 year old could be that careless but it's his actions afterwards that are much harder to grasp. OP's son can't be bothered with a small claims process to get £2k back. My mother would go ballistic if I had said the same. She also would have been furious if she knew how much money I wasted when I got my first job, if she had found out...

Anyanka1

As AdrianC has intimated, however naive (not vulnerable) "Son" (sic) is, his lack of knowledge about finances and life is his parent(s)' responsibility. The OP comes across as about as clued-up as he is to me.  I can only surmise they are both filthy rich and that "Son's" reluctance to inconvenience himself for a mere £2100 reflects that and the fact that he has probably never worked a day in his life:  If "his" money is actually his parents', why should he care?  If they want it back, they can suffer the inconvenience, can't they?

Neither OP nor Son would look out of place on a certain reality show set in Chelsea... Not that  I would be caught dead watching such, you understand.  I may be so poor I have to check my online bank account every day and could recite all my DDs in my sleep but at least I have some taste in TV shows.   (That is the smile, right?)