My teenaged son used my credit card and now I want my money back from the retailer [LBC Legal Hour]

Hamza's teenaged son used his credit card to make an online purchase. But he hasn't received the goods he was expecting. Daniel does his best to help but he also delivers a stark message.
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♨️ IMPORTANT INFORMATION:
This video is published by Employment Law Services Limited. The information in this video is for general guidance only and, although the presenters and publisher believe it was correct at the time it was recorded (January 2025), the law may have changed since then. You should always seek your own independent legal advice. Please note that for employment law, the law explained applies to England, Scotland and Wales. For all other areas of law, it applies to England only.

[@MatthewLenton]

So he wants the money back and then technically he still has the list

[@loc4725]

As others have said, digital goods electronically delivered are exempt from the 14 day cooling off period. The only possible route out is that the son was under 18, but I suspect the company would argue that as the father authorised the payment he is the one who ultimately entered into the contract.

[@thomasdalton1508]

That's only true if they explicitly got the customer to waive that right. If they knew what they were doing, they would have done that, but maybe he'll get lucky and they didn't.

[@billyhills9933]

If the product purchased was information then how do you return it for a refund? What's to stop him using the contacts he was given even after he gets his money back?

[@LeviClay]

bingo, another example of Daniel not only talking rubbish, but proudly posting it on his own channel as content.

[@Liberty_Freedom_Brotherhood]

Send the list back lol 😂

[@paul8161]

Sorry, i don't buy the there wasn't a tick box. i am over 18 on the form on the website, and the 17-year-old filled out. Most websites won't 6:10 let you continue without ticking that. Just my take. And yeah don't give your 17year old kid your credit card details for this reason. 🤦‍♂️

[@billyhills9933]

Surely the assumption is that if you're using a credit card then you must be 18+ because credit cards can't be issued to someone younger. If you're younger then you're either a) using it with the permission (and responsibility) of the card holder or b) committing fraud.

[@paul8161]

@billyhills9933 I think the lawyer was saying that in the video or certainly inferring it.

[@thomasdalton1508]

There is pretty much never an explicit tick box for your age unless you are buying something age restricted. It might be hidden away in the terms and conditions and there might be a generic "I agree to the terms and conditions" tick box, but that's all.

[@paul8161]

@thomasdalton1508 Sorry, that's incorrect.. yes, age restricted products will obviously trigger a warning, but to say that age isn't mentioned on a normal website is misleading and incorrect.

[@thomasdalton1508]

@@paul8161 It is not incorrect. I buy things online all the time. I never tick a box saying I'm over 18 unless I'm buying something that requires being over 18. That is simply not a thing. It doesn't happen. No website asks that question unless they are selling age restricted items.

[@LeviClay]

Daniel, there's no WAY you're entitled to your money back after 24 hours in a context like this. In order to get your money back, you have to return the thing you purchased. He's received the goods, the goods were information. He received that information. Otherwise I'm going to start buying email databases and then as soon as I receive the list, say I don't want it and want my money back.

[@ULTIMARAGNAR0K]

Doesn’t work that way in the UK I’m afraid mate. And this is my area of expertise

[@LeviClay]

@@ULTIMARAGNAR0K you're claiming it's your area of expertise. I'm TELLING you it's mine. You can google my name.

[@LeviClay]

@@ULTIMARAGNAR0K maybe want to go back to school if this is your area of expertise. "Digital downloads are given their own unique category under the Consumer Contracts Regulations and are therefore not services or goods. If you want to download something within 14 days of buying it, you will have to give your consent to waive the 14-day cooling-off period. If you don’t give your consent, the 14-day cooling-off period still applies, but you won’t be able to download your digital content until this period has ended. This is to prevent you from changing your mind after you have downloaded the content."

[@DeclanOKaneMD]

Can’t cancel when he got the list can they

[@jamesupton4996]

That's fierce, but dad was irresponsible.

[@CeticWales]

Hang on, at the end he said he forwarded it to him to pay the amount, 5:48 Surely that counts as him purchasing the item not his son?

[@ZenzeroCAM]

Wait a son just went to his dad “hey I got a link to buy this, it’s 100% legit, I need £1500 to get it” and the dad just said “yup, okay!”? Wow

[@londontrada]

Transctions like this usually have a waiver of the cooling off period in the smallprint

[@googleuser8740]

Cost of fraud £1500. Daniels facial expressions when you constantly interrupt - Priceless.

[@coderider3022]

Omg… clear as mud. £1,500 would be better spent on parenting classes ?

[@StuAnderson90]

I want your question not your fricking life story 😂

[@BlueW01f]

Dude gave his credit card to his son for an obvious scam. Kids a mug, dad's a mug.

[@article21gdpr]

i am sooooooooooooooo lost with this guy

[@tracer1127]

What products were you expecting as opposed to receiving a list ? If he received a list surely that was what he ordered instead of goods.

[@fintanduffyable]

Ha ha good luck with that one 😉 🤣.....how about you don't give him your credit card details...he admits giving his son permission and says he should have checked if this goes to court he will be laughed out the door and round the corner 🤣

[@easterneye2773]

That moustache/goatee looks atrocious

[@MrWillyMrBrightside]

To think there are grown adults walking around completely bewildered by the modern world...

[@atakd]

No wonder this barrister gives free legal advice because nobody would pay him. Non-tangible goods, such as lists of information, are exempt from the 14 day return rule.

[@TheMusicalElitist]

The caller was confusing. The barrister himself, is actually very successful and has achieved more than you ever will in your silly little life.

[@atakd]

But all you can do is comment about my life, about which you know absolutely nothing at all, rather than admit the legal advice was simply wrong. Barnett clearly stated that a refund could be claimed under the 24 day distance selling rule, and that factually not correct.

[@LeviClay]

@@TheMusicalElitist of course he's very successful... he charges lawyer rates for his time. You can be very successful... AND incorrect. And what does this guys level of achievement have to do with anything? I've achieved more than you in your silly little life... does that mean you can't criticise me? Your logic is as bad as Daniel's advice.

[@Pureblood002]

A bit off topic but tobacco products say "smoking kills" yet here I am 25 years on, still alive , does anyone reckon I can sue ? Surely they owe me thousands ?

[@paulthomas8262]

If there are no damages you can't sue. there has to be some kind of loss or injury. Not dying is not a treated as a loss

[@paulthomas8262]

Also you estate can't claim either based on the fact you haven;t saved money by dying earlier, because you can only claim based on transaction not lack of transaction.

[@paulthomas8262]

Also "smoking kills" is not a contract. Nor is it specific to you. It is a legally required carry this label, and you can;t sue the government for what is lawful.

[@Pureblood002]

I was kinda joking But thanks

[@paulthomas8262]

@Pureblood002 but are you really alive? I'm not convinced.