I have a paypal credit account and have been happily paying it off by direct debit each month. I decided to pay it off earlier so increased my direct debit to £150 a month. Guess what - they charged me £12 late payment fee because they never took the payment - Apparently when you amend a direct debit it has an effective date so if it's after the payment is due you have to make a manual payment - apparently there is a POPUP telling you this - I have never had this with any other company - A direct debit is set up by the company and once you ask for an amendment it gets done - if there is an effective date then the original payment is taken and the one after will increase this just seems to be a way of collecting late fees - I am not happy - anyway to recover this late fee if not at least its a warning to others - paypal credit won't be at the top of my list anymore
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