I bought an item through PayPal Credit via scan.co.uk, everything I went through told me what monthly payments were and I was led to believe I went into a credit agreement and setup a payment scheme of the quoted payments. Now I've just had an email saying I've not made the first payment and have incurred a 12gbp late payment fee. I've never used PayPal credit before, should I have set up a completely separate payment plan through this site myself?
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