I Googled Luxembourg Financial Regulator and clicked on the main result, then on the UK flag at the top, and then on Contact Us. http://www.cssf.lu/en/top/contact/ It seems some of the fields not marked with an asterisk are actually compulsory - I ended up filling in all the fields and my message wentt through then. The message I sent was as follows: "I understand that you are the body responsible for regulating PayPal in regard to the European Commision's Payment Services Directive and the Faster Payments system. PayPal are still holding large numbers of withdrawals for "security review" 24 hours or even 72 hours or more, even when the details are just the same as the customer has been using for years. The suspicion being widely raised in numerous threads on the PayPal customer discussion boards https://www.paypal-community.com/t5/Adding-and-withdrawing-money/bd-p/adding_money is that PayPal are doing this in order to earn interest on money held. They have claimed http://www.bbc.co.uk/news/business-19814433 that the widespread (as opposed to very selective) use of this practice was the result of a glitch in their systems which has been resolved, however many customers are still experiencing the reviews on withdrawals being initiated afteer the date of the BBC article."
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