Direct Debit taken from bank account and no refund

[LadyDoctor]

PayPal has made an unauthorized direct debit from my bank account of £2.18, while I have never made any transaction for this amount, and no transaction of this amount is showing on my PayPal accont History. Surely, this is illegal? Thankfully, my bank will cancel the direct debit due to PayPals lack of customer service and communication or investigation. How can PayPal take an unauthorized direct debit?

In addition, PayPal were meant to issue me a refund of £2.81 into my bank account from a refunded EBay transaction, which shows as completed on my PayPal account History, but nothing in my bank account?

Strange how PayPal debit me £2.18 and fail to credit me £2.81. Therefore, owing me £4.99 in total?

Regarless of the amount, it must be illegal, what if I incurred charges from my bank? Still no contact from PayPal, no solution, poor customer service, taking unauthorized money and failing to refund money!

[kernowlass]

 If you have funds in your paypal account balance and then you buy something, then those funds are used first and if there is not enough then the rest is taken from your funding source (hence you don't recognise the amount).

So I expect the "refund" was credited to your paypal account balance and used for a transaction of a larger amount and the remainder taken from your funding source.

To check click on the word "details" next to any recent buying transactions and see if they were part funded from your refund credited to your paypal balance.

I would check that out before you cancel any payments or you may find your account limited as I doubt very much it was unauthorised.

[LadyDoctor]

kernowlass - sorry to inform you, but you are wrong. I do not have any funds in my pypal account. My paypal account has a balance of 0.0, before transactions were made. I did not make any transactions of £2.18. The transactions I did make were correctly debited from my bank account, the exact amount as seen on my paypal account history. PayPal has failed to refund me £2.81 and then took a direct debit of £2.18. This is surely fraud? It is Illegal? The refund shows as completed on the paypal account history. The refund goes direct into the bank account, since that is how I paid for the transaction, and my paypal account has zero balance. I do not owe paypal £2.18, they now owe me £4.99? I will not allow paypal to get away with this. It is not the amount but the principal. Admit it, it is fraud, illegal and poor from an international company!

[LadyDoctor]

Sorry, you could be right after all..if so sorry. I just do not like being cheated, since EBay is full of frauds and fakes. Anyway, sorry, and I will check carefully on payments made to see if they balance. Cheerio.

[kernowlass]

If you paid with instant bank transfer then funds go back to your paypal account balance.

If you pay with a debit or credit card then it goes back to the card.

That is why I suggested the amount in your bank account was a part payment with your paypal refund to buy an item.

No need to apologise I hope you manage to sort it out. 

[LadyDoctor]

Thanks for you help and uderstanding. You are correct. In cases like this one needs to stay collected, read the statements carefully and ask questions first, rather than throwing accusations. I will make sure carefully, and instruct my bank to leave the orginal direct debit. Thank you, and well done for all your insight and time to help/reply.

[kernowlass]

Your very welcome, thanks for coming back to update