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PayPal - Negative Balance

Discussion in 'Legal Issues' started by Jason T, Apr 4, 2017.

  1. Jason T

    Jason T Greenhorn

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    #21
    I forgot to cancel a free trial and they charged 100$ a year
    SEMrush
     
    Jason T, Apr 7, 2017 IP
    SEMrush
  2. pmf123

    pmf123 Well-Known Member

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    #22
    Try contesting it
     
    pmf123, Apr 7, 2017 IP
  3. Jason T

    Jason T Greenhorn

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    #23
    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?
     
    Jason T, Apr 7, 2017 IP
  4. sarahk

    sarahk iTamer Staff

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    #24
    Welcome to the world of grown ups
    You can contest it because Paypal shouldn't have allowed you to go into a negative balance (possibly)
    If you tell them you are 15 they're going to want to know who your legal guardians are and potentially sue them for something like "dereliction of duty"
     
    sarahk, Apr 7, 2017 IP
  5. dbs00

    dbs00 Greenhorn

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    #25
    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.
     
    dbs00, Apr 8, 2017 IP
  6. arsalancfc

    arsalancfc Member

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    #26
    how you know paypal has sent that balance to authorities? NCO financials.
     
    arsalancfc, Apr 18, 2017 IP
  7. matt_62

    matt_62 Notable Member

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    #27
    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).
     
    matt_62, May 2, 2017 IP
    sarahk likes this.
  8. Annea

    Annea Active Member

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    #28
    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. :)
     
    Annea, May 2, 2017 IP
  9. dscurlock

    dscurlock Notable Member

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    #29
    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....
     
    Last edited: May 3, 2017
    dscurlock, May 3, 2017 IP
  10. sarahk

    sarahk iTamer Staff

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    #30
    When I was a kid at school we had lessons about being a minor legally, what it means and why it's important to be protected. Looks like they need these lessons in Canada too.

    My daughter, on the other hand, wishes she still was.
    "But Mum, I don't want to have to organise that, can't you do it"
    "Well, yes, but you have to phone up and give me permission because you're no longer a minor, privacy laws and all that"
     
    sarahk, May 3, 2017 IP
  11. Animmex

    Animmex Greenhorn

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    #31
    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..
     
    Animmex, May 6, 2017 IP