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Is this fraud?

My bank account doesnt seem to know I am only 17 and it allows me to open direct debits even though I'm not 18 yet.

I signed up to an o2 phone contract and it is taking direct debits from my account, to get this contract I had to tell o2 I was 18.

Obviously I will make sure there are no problems with my account and the direct debits, but what is the chance o2 finding out I am not 18. And can i get done for fraud?

Reply 1

username239687

18

If o2 find out, they'll just ask you to renew your contract when you turn 18.

Reply 2

Heir-Head

How did you even manage to get a contract with 02? You have to go through credit checks and you wouldn't have passed as an 18 year old, let alone a 17 year old.

Reply 3

Dan?

Why doesn't your bank know your real age?

Reply 4

petticoatlove

If you showed them a fake Id then I would worry but if u just said u were 18 then I doubt that anythings gonna happen.

Reply 5

The-Wi$e-One

2

technically what you have done is illegal yes, as you are not allowed to hold legally binding contracts until you are an adult, if you used fake id to take out the contract the AFAIK yes, you have commited fraud

Reply 6

Greg.

14

I had a direct debit through my bank account for a magazine when I was 16. I think you can have direct debits below 18, but I'm assuming for a phone contract you need to be 18, as it's like a contract. However I think you should be fine as long as you make sure you have enough money in your account to pay it. :p:

Reply 7

SacreBleu

OP

13

Yeah i am unsure why I havent been checked out by my bank / o2.

o2 asked for my D.O.B on the website and when I entered my real one it wouldnt let me continue so I entered it to make me 18 and no further checks/ID was needed.

Its a sim only contract, no phone included. Maybe this is why?

Reply 8

AnonyMatt

15

Why do you care?

Also, you're allowed to make use of direct debit if you're under 18...

Reply 9

tigercallie

7

pfft you're fine! theyre gettiing their money, who cares. Ha anyway anyone finds out "im just a child and confused"

Reply 10

ashley1407

This is fraud as you have entered into a control illegally by misinforming them.

If you did get found out, I believe this can have a seriously bad effect on your credit history.

Reply 11

MrFroggy

4

I wouldn't say this is fraud as your not actually ripping anyone off, if you did get found out then they would probably just cancel the contract.

Reply 12

psychocustard

18

You can have a direct debit from whenever...

As for the contract, then I'm a bit surprised you haven't been found out. If you do, I'd expect them to terminate the contract and put a note onto your credit score for when you DO turn 18, which will probably effect it.
Just keep quiet and see what happens.

Reply 13

mr_qwerty

4

O2 wont really care or investigate....so long as they keep getting a piece of your wallet every month. :wink:

Reply 14

Lefty Leo

10

Ape Gone Insane

\sarcasm Yes, you will go to jail for a hundred years /sarcasm

Even Bernard Madoff is jealous at the seriousness of his offense :yes:

Reply 15

steve2005

17

The-Wi$e-One

technically what you have done is illegal yes, as you are not allowed to hold legally binding contracts until you are an adult, if you used fake id to take out the contract the AFAIK yes, you have commited fraud

Please what does this mean " AFAIK" ?

Reply 16

letsdothetimewarpagain

19

steve2005

Please what does this mean " AFAIK" ?

AFAIK = as far as I know

I don't understand how you got a contract in the first place, when my dad got my contract he had to have a couple of checks before they allowed him to have the contract :redface: