Banks.

[xxMATTGxx]

Are banks allowed to charge people under the age of 18?

[Arron]

Are banks allowed to charge people under the age of 18?

charge us for what

[myke]

I believe, aye, depends on the single bank's T&C's. I know my bank hasn't charged me for anything. Halifax.

Altho, in the T&C it says I have to use the deposit machine and not a cashier :| but yeah.

[buttons]

if you have a job, i think so

[xxMATTGxx]

Its ok now, I just joined the "Consumer Forums" and replies are very quick. Haven't been charged yet though, just in-case it happens. Knowing my bank <_<.

[Steven.]

It would probs depend on what sort of charge.

I know I've gone OD on my account and aint been charged yet*

*touch wood I wont for a far while.

I think it depends on the bank and what type of account.

[Pyroka]

I'm with Barclays, gone overdrawn a million times and they just send me a letter saying they covered the cost and I wont be charged.

Sooo idk.

[myke]

I got told it might effect my credit rating if I go OD so be careful

[xxMATTGxx]

I got told it might effect my credit rating if I go OD so be careful

I've read that goes to 0 when you turned 18? Not sure how true that is though as it was on the internet somewhere. But anyway after explaining it all. He has said:

They shouldn't charge you cos you have an adapt account and whether the DD went through or otherwise, the bank have mismanaged your account allowing you something which they clearly state is not permitted on the account. Why permit something that isn't allowed?

Furthermore, if it takes the account into minus figures then they are giving credit to someone under 18 which is against the Consumer Credit Act....they are stuffed in all honesty.

[Caution]

oh that explains your msn name. i didn't think they could and it could get reversed/returned if they did it by mistake