Thought I'd post the response I got (after chasing a response)... Dear Craig, Thank you for contacting PayPal Credit. I have refunded you the late payment fee of £12 as a goodwill gesture. This will be reflected on your next statement (16/10/2016). The refunded fee will appear as a "late payment fee adjustment" on the statement. I have reviewed your account and can see that you have set up a direct debit for a fixed amount of £xx.xx. The direct debit was set up on the 10/08/2016. The reason no payment was collected from your bank account on the 10/09/2016, is because the above direct debit is designed to skip the first due date after the direct debit set up. In other words, it was not effective on the 10/09/2016. I can confirm that your direct debit is effective now and that it will pull on your next due date (11/10/2016). Apologies for any inconvenience caused. Thank you for choosing PayPal. Yours sincerely Kenan PayPal Credit Customer Services So apparently PayPal's direct debit system does not work like anyone elses in the world, where I woudl expect it to be taken from my account, a month from the set up date.
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