If someone has sold something to a minor, based on a transaction that the child did not have permission to perform, the parents may demand that the sale be cancelled.
The need for a parent's consent depends on the magnitude and type of purchase as well as the child's age. If your child has made a purchase that he or she should not have been allowed to make, the seller is responsible.
- Without a parent's or guardian's consent, a minor can only buy ordinary products of small significance, such as pocket money purchases of reasonably priced products of the kind others in his or her age group generally buy. A pet, travel abroad, or a tattoo are examples of purchases that cannot be made without a guardian's consent
- Children 15 and over can make more significant purchases using their earnings, such as pay from a summer job, but may not buy on credit
A child cannot buy on credit
As a general rule, a minor can make only cash purchases One must be 18 years old to buy on credit. A minor cannot have a credit card or take out a consumer loan, for example.
The validity of purchases made by means of an invoice is assessed by comparing the significance and quality of the contract to the age and developmental level of the underage individual in question.
In most cases, debt collection proceedings cannot be imposed on underage persons
Minors cannot buy on credit, which is why a minor cannot be the subject of debt collection proceedings. However, minors may find themselves in situations in which they are obliged to pay. These may include various public charges such as hospital and medical fees and taxes.
Over 15-year-olds may end up with a payment obligation as a result of a compulsory motor liability insurance premium, public transport inspection fee or a fine.
The seller's responsibility
If your child has made a purchase that he or she was not allowed to make, the seller is responsible. If your child has purchased the product without your permission or on credit, you may demand that the seller cancel the sale. Do this within a reasonable time after finding out about the transaction.
To make the resolution of possible disputes easier, we recommend that all complaints be filed in writing. In addition to the instructions on our website, you can use the Complaint Assistant or our complaint forms.
Filing a complaint
If a collection agency or other creditor is collecting a debt from a minor, contact the collection agency or creditor and demand that they stop collecting an unjustified debt. If a dispute arises, contact a consumer advisor.
Complaining about unjustified bills or receivables
If your complaint is unsuccessful, you may contact the Consumer Advisory Service.