I applied last week for Paypal credit , I needed some parts for the car and it has been a tight month so I thought great , I'll use PayPal credit and it's 4 months interest free credit offer .Great , so I thought.I set it all up , got approved with a £2000 limit not that I would ever use that much and ordered my parts . I did a basket shop with about five items and went to the checkout pressed use PayPal credit and thought that was it. Later I checked my PayPal account to find all the charges had been taken from my bank account. My first though was I made a mistake so I contacted all the sellers and asked them to cancel the transactions so I could re do them which they all very Kindly did. I re purchased them a couple of hours later making sure I used the buy with PayPal credit option. It went through and I checked the order details and it says quite clearly "payment method PayPal credit" It has worked I presumed. It wasn't until later when I checked PayPal again that I realised it had taken the money from my bank AGAIN!!!!! I rang the PayPal customer service and after talking to a robot for half an hour I got through to an actual person. After explaining what had happened he looked at my account and said I need to have PayPal credit set as my preferred method of payment. My first thought was why didn't it state this before I was allowed to pay thinking I was using credit when I wasn't .I contacted the vendors again and explained but the parts had already left so now after all that I've ended up paying with cash I don't have. But thats not the end of the story. after changing the settings I decided to test it with the one guy who had managed to refund me before he realised the parts had been posted so I clicked on buy with PayPal credit confident it would work only to find the option was unavailable to me . so basically they approved me then disapproved me at the last minute.I've always been a pay when you can afford kind of bloke and I don't have credit cards , and after this total shambles I think I will stick to that belief.Thanks Paypal for nothing. Oh yeah and the one refund I got is now pending so I won't have it until the 27 of November.
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