I've had this same issue. I have had multiple pay in 4 or credit payment transactions and thought I had paid off a 'pay in 4' only to find out that I hadn't and had been charged interest on the payment. There doesn't seem to be a way to pay a specific credit balance. Paypal splits your payments across your entire balance, and are making money off of it. Planning to forward issue to the Financial Ombudsman Service.
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