After reading this and some of the other threads on the subject, all with the only advice being "Buy a cheap mobile" I checked the (UK) Financial Conduct Authority's guidance on the subject. As Paypal sees itself as being subject to the PDS2 regulations and the provisions of SCA under them I wonder why it sees itself as exempt from the guidance on how they are to be implemented.
The FCA document "Strong Customer Authentification" first published 2/9/19 and updated as recently as 18/6/20 says:
"We expect firms to develop SCA solutions that work for all groups of consumers...... This includes methods that do not rely on mobile phones."
And.
"If this is not the case we (the FCA) expect them to discuss with us as priority."
And
"Specifically, we (FCA) expect:
Firms not to act outside the agreed industry delivery plan in ways that cause unnecessary problems for consumers or merchants."
The dead-line for implementation has been extended, due to Corvid 19, to 14/9/21.
I repeat my original question: When paypal denies me access to my account, how will it return my balance to me?
To which I add the following: Why is Paypal not following the above guidance (like every other firm implementing SCA)?
When the dead-line has been extended, why is paypal already denying consumers access to their accounts and causing them all sorts of problems?
Are they actually in discussions with the FCA as they are not following the guidance? Or is paypal trying to quietly weed-out "difficult" customers so it can follow its chosen option of only offering mobile phone access?
