I have also spoken to them. They blame it on the 'system'. That's an easy get out clause for any customer support so no use talking to them.
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I believe they are not honouring the 12 months 0% payment plan by allocating payments to that plan rather than to the items bought later with 0% 4 months plan. I should say they are breaking the terms of 12 months instalment plan. I will certainly take it up with ombudsman if they don't reverse my situation. I am now paying interest because of how their 'system' works. I have stopped using PayPal credit as such.
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