PayPal - Negative Balance

I forgot to cancel a free trial and they charged 100$ a year

 

Try contesting it

 

What is contesting?
How would I do that? Also, what would I write in my email if I email the collection agency and tell them I am 15?

 

If you can spare the $ than you should pay it.
You will eventually have to pay it so save yourself the hassle and clear your balance.
PP nor the collection agency will care that your 15 y old. You signed up with false data. Deal with it.

 

how you know paypal has sent that balance to authorities? NCO financials.

 

As both a customer, and a business, I have paid for things, not realising (or forgetting) they auto-renewed. Within 24 hours you simply open a dispute with paypal, and or contact the business to cancel it, and it gets cancelled.

I have had clients do the same with me, they paid me for 1 year, perhaps they moved on after a year, and they get rebilled. In both cases, for me as a client, and for me receiving money from clients, the transaction gets cancelled and refunded, usually all withing 24hours. All businesses know this happens, they just shrug it off, so long as you fix the problem quickly (ie, within 24hours of being rebilled).

 

I had the same two questions as other people have already asked: How'd a 15 year old get a PP account and how'd you get a negative balance. Anyway, you've answered the part about the balance.

I'm thinking that if it is in collections already, that it has been quite a bit longer than that.

Any way you could 'fess up to your parents and they could help you in this situation?

By the way, I'm Canadian, too.

 

Since he is underage, which is a cardinal sin...
If paypal finds out, and he signed up as a minor...
When paypal finds out, his account will be banned...

I have seen minors up open up paypal account, then even
years later when they are no longer a minor get banned...

a minor opening up a paypal account is a big
violation, so whatever lie he used to open up the
account, hope that paypal never finds out, and that really
does not matter, he has already burned the account by
not making good on his bad behavior and irresponsibility....

So if you get an allowance, then go to the store, get a
money order, then send the debt collector money until
the balance is paid in full, then keep your noise clean for
the rest of your life, unless you are rich, then at point in time
you will heavily rely on credit, first car, home, apartment...
future credit cards, trust me, once you fuck up your credit,
then it can take many years to get back on track, but in your
case, you are only 15, so you still have time to get it right....
you will not get many chances in life to salvage your credit
simply because bad debt will follow you around for years, and
will hinder your chances of getting the best interest rates whenever
the time comes around that you buy your first car, then have to
pay 25% interest rate, and bad credit will do this too you....

 

Legally speaking it's their mistake for not checking your information and billing you without your consent in the first place or in this case your parents the fact you lied about your rage can be argued as simply as the information wasn't very clear and it was a typo, yet you did accept the terms of use which you should've read, i mean being so little money i don't think this will ever see the light of day in court or even affect your credit but things change from country to country so who knows, if you didn't verify your account there's a few more arguments to be made there and if you did they shoud've checked your age etc etc..