He broke the law. So using your theory... I dont have a driving license... I get caught driving..and I cant be prosecuted. Yeah right. And I am in the EU so that why I said I think it would be a felony in the US. It is a crime in the EU (ie UK) to falsify information on a financial transaction. Paypal by definition is not a credit giver and he has no credit card, they are a payment processor which he broke the law to use. As I said nobody knows how far Paypal and the collectors will go. They might do nothing or they might go the full monty and report the person. Anyway Im off out to drive a motorbike, I dont have a motorbike license but at least I know your theory will save me.
There is a big difference that you failed to see.
Under 18 he CAN NOT make a contract with paypal (this is for sure against banking regulations even in US). And paypal gives credit in many cases, like for example if you have only a bank account in your paypal (verified) then paypal will charge the bank account later (not direcly), therefor paypal gives you a credit, same as mastercard or visa.
Now the difference is: A driving license is, of course, not a contract. Also driving without a license is a "Penal Crime" not Civil. By driving without a license you are breaking the law (laws are the only form of contract not requiring a party to sign it).
A contract with someone who was by law not allowed to be a party of the contract is NEVER valid.
If I sell you a house, which I do not own, and you sign the contract and pay it even. That would be fraud from my side of course, because the contract would not be valid, as I was never authorized to sell the house (not being the owner).
If I would in fact own the house, and in the contract or in country law it would state you can only sign a contract if you are at least 18 years old and you are not (in that example), and you would pay me the house, the contract would not be valid as well. I would have to give you back the money and you me the house.
Falsifying information.. Where do you see that? For example, years ago, I had a ebay account and when paypal tookover ebay, I could make a paypal account without being asked for my age, as well as paypal did not check the age of my ebay account (I was under 18).
Paypal asks nearly nothing of data by the way (still not).
NCO. This places you in the US. In the US a juvenile cannot enter into a legally binding contract. Not with Paypal, not with anybody. While you may have technically broken the law by misrepresenting your age, you are not legally liable in a civil action.
And this is the reason why paypal broke the law for letting a minor sign up without any checks of age (even not entering the ID number etc) and broke the law for giving out private data (name, financial records, address) of a MINOR to a third party! This is heavily punishable in EU (we are speaking here some thousands of euros at least for compensation).
This matter is so minor that there would be no criminal prosecution. Paypal is at fault because they failed to properly vet you and your age. They have a duty to verify, this does not mean a checkbox on a web form.
this guy knows what he is takling about!
