Discussion
Was at tesco petrol station today and opted for pay at pump, I'm 17 and my bank card is visa but because I'm 17 I cant go overdrawn so can only spend whats on my card no matter what, There was exactly £20 in my bank, after I'd inserted my card it said "lift nozzle max spend £99" what would of happened if I'd of put more than £20 in? It had already took my card details and give it me back, but there was nowhere near £99 in
R1 Loon said:
Not so sure about that, he's 17 and therefore giving him credit is illegal.
Its not illegal but it would be unenforceable on him as he is too young to enter into a binding contract"You can borrow money at any age, but access to loans may be limited because a lender will not usually be able to take a young person to court if they break the terms of a loan. This is because you cannot usually be legally held to a contract you make when you are under 18"
You can I believe be held accountable for debts you run up for food, shelter or clothing and other living costs but dont know if this would apply to petrol.
Some of these machines dont even perform an authorisation check before the payment goes through, dont know what the ones for petrol specifically do and dont but many debit card machines will have a limit below which they dont even check the account.
When I was in my teens I had a Halifax account with no overdraft facility. I had another account as well and hadn't touched the Halifax account for months so it lay dormant with a few quid in it. An annual subscription I'd forgotten about automatic renewed and took me a few pounds overdrawn, even though I had no overdraft facility, Halifax then tried to fine me for doing so until I complained.
I suspect something similar would happen if you made a larger transaction than you could afford.
I suspect something similar would happen if you made a larger transaction than you could afford.
If you had put more than £20 worth of fuel into your car the payment would have been approved and your account would have gone into an unplanned overdraft. Your bank wouldn't have been able to charge you for the unplanned overdraft, check the terms and conditions on your account. If you did this too often, it would affect your rating with your bank and would have a knock on effect when you needed to upgrade to a current account.
Yep, as above.
I wondered about this myself, as the pay at pump has often said the same thing to me when I know I've less money in my account than the maximum it's showing.
The bank will just honour the debit, then fine you for becoming overdrawn without arranging it. Though interestingly, if you clear the overdraft on the same day, many banks won't send you the letter that means you're getting fined. That's anecdotal, but definitely true in my case anyway. Off topic, anyway.
I wondered about this myself, as the pay at pump has often said the same thing to me when I know I've less money in my account than the maximum it's showing.
The bank will just honour the debit, then fine you for becoming overdrawn without arranging it. Though interestingly, if you clear the overdraft on the same day, many banks won't send you the letter that means you're getting fined. That's anecdotal, but definitely true in my case anyway. Off topic, anyway.
Stuey145]ichtea78 said:
Its not illegal
yes it is. he's not 18.
No its not illegal, contract law allows you to enter into an agreement with anyone, its just not enforceable on anyone under 18, therefore they cant get the money back. So to clarify, its totally not illegal but its not legally binding either. There is a difference. yes it is. he's not 18.
If you are under 18 and can find a credit company willing to give you credit I would be amazed but theres no law preventing it, the credit company cannot get the money back.
Have a look here
http://www.adviceguide.org.uk/index/your_world/con...
Its illegal for them to market to under 18s but not illegal to get credit.
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