PayPal Community

So, telephoned paypal as requested in SMS - needed to speak with me urgently!    Turned out they want me to pay more than the minimum payment.   At present minimum payment covers the monthly interest, and an amount always in excess of interest off the balance.  I know all about this happening with Banks, Credit Cards etc.  but I am paying down the balance, however, I was definitely being 'talked down to', and being deaf I cannot always hear clearly,so I handed the phone to my sister who introduced herself.     I gave no permissions for anything other than the matter in hand - however, she was voluntarily told that last year I had a problem with paypal and got in arrears,  but I had sorted that out kept to their 3 month plan and everything returned to normal, so my sister queried that with me, and said to me, how much do you owe, and with that the person from PayPal told my sister over the phone what my balance was!!!!!!!!!!!!!!!!! ... View more

OK , so in regard to PayPal Credit Account.   Because of the very same problem I am now facing yet again, I was 'behind' with my monthly payments.   I set up an arrangement which is now completed and my account is re-instated.   However, as happened previously, my Statement for this month shows a minimum payment due of £41 and change, due at the end of October.   I have made no purchases to influence this amount, so you would think that payment of that amount by Direct Debit would be the correct thing to do?   Well, apparently not!!! - Yesterday, I received a letter from PayPalCredit stating that 'thank you for sticking too, and completing your 'arrangement', there is still an amount of £188 in arrears which you should pay immediately.   The whole point of the 3 month plan was to bring my account up to date, they decided on the figures and dates - my account was frozen so no purchases were made, so I am at a loss to know what to pay, £188, £41 or £228.   Previously, I paid the amounts required on my Statement but fell into £210 of arrears, hence the 'arrangement'   I could not understand this then, and I cannot understand it now!!   Has anyone any ideas, the previous arrangement was to clear the arrears, so where has the £188 come from?   I have a small balance of under £2000 owing (much lower than my credit limit) so surely this cannot be 3 months additional interest, that would make the monthly interest rate extortionate but should clearly have been at least estimated and added to the 3 monthly figures which would make much more sense, or the minimum payment for this month should have been higher?    This should also have been fully explained at the time of the arrangement otherwise there is no benefit for them or me, to make these extra payments.   I am beginning to think that paypal either don't know what the other hand is doing, or they are 'hiding' these charges so that we get into default through no fault of our own, only their misleading paperwork, or a combination of all facts together with some (allegedly) bad and possibly illegal practices, in order to extract more and more money for their unsuspecting 'victims'.   I cannot get a straight answer from them, just ignore this, no don't pay that pay this, etc. etc.   Anyone else had these kind of problems, or is there someone who can explain what is going on? ... View more

For Several months I have an ongoing problem with Pay Pal Credit.   I changed Banks and followed up with changing all direct debits.   However, Pay Pal twice applied to the old account for a payment, after several weeks, I received a final e mail telling me that 'they' could not get into my Pal Pal Credit account and that I would have to telephone.    Being deaf and disabled I do not use the telephone hence the reason I was using e-mail.   The following month and using the new details Pay Pal Credit took 3 x the monthly minimum payment Plus 2 x late payment fees (for the previous month,   Although I could not afford this, I eventually tried to telephone but could not get through to a 'live' person, or anything other than the offered press this number.    I had not used PayPal Credit that month so in my calculations I should have reverted to minimum payments - not so, payment was due 28th of the month, and on the 29th I received yet another notification of a failed payment and charges, however, the payment was not requested until the 3rd of the next month and cleared with no problem - that is until I saw they they had taken over £100!!   I have written letters to various addresses given over the internet, but have received no replies.   In the end I contacted my bank and they charged back the £100.   I then got letters (with no return address) from PPCredit with all kinds of threats, and they have suspended my account on ebay which I can therefore no longer use.   I am now approaching the 4th payment due date, which is the first date I calculate that I owe the minimum payment but they say on my account I owe the £100 plus charges and another £94.   Obviously I have cancelled my DD but now I will have a bad mark on my credit account and the Credit account is closed and they are also threatening Court for the outstanding balance.    I am panicking now as I rear they will try and take as much as they can from my new bank account.   Can anyone here please help.   I understand that PayPal Credit is ' Newday' and thought therefore that it was seperate from the original Pay Pal but apparantly not! ... View more

So, no Statement has been available to me online for over 1 month.   Over the previous 2 months' PayPal Credit took my Direct Debits a few days late and added fees, as yet I have been unable to contact them to ask why, the money was there, I have not used the facility and statements were appearing as normal.   Last payment due 28th April, letter received 1st May adding charges for non payment, then payment taken 3rd May?, so surely that is not any fault of mine? there is no returned or other payment showing so this was their first attempt.   So today, I check my bank and find they have taken 3 times my normal monthly minimum amount by Direct Debit, of course I am absolutely unable to Contact them, got a code and phoned, but just automated options none of which are helpful.   I did get into e mail back and forth at the beginning of the month over the fees, but after 3 days was told they could not 'get into' my PayPal Credit Account.   I really cannot afford to lose that amount of cash in one go and for no reason, but neither do I need a bucket load of fees etc. if I re-call the Direct Debit.   I know I am covered because they have drastically changed the amount they take and given no notice, there is no way this is a minimum payment as authorised, my balance is gradually being paid off and credit not used, so it was gradually reducing not increasing!   I think my only option will be to cancel any future DDs and pay manually.   If they withdraw my Credit then so be it, I can get Credit elsewhere, that is much less devious and is straight forward and contactable. ... View more