So I am greeted today with even more PayPal fail (they’ll now be known to me as payfail).
A few months back, I had a letter from Natwest, who informed me they were charging me £25 a day for being over my overdraft limit. Interesting, I don’t have an overdraft, nor have I used that account since I worked for them quite some years ago.
Checking my online banking with them, and noticed ~£450 worth of PayPal direct debits. Interesting, these transactions were not listed on my PayPal account. Sent them a few emails explaining this, and they then said I had to call to discuss further. When I called they had no knowledge of the email correspondence, so I had to go through it all again. They basically said that they could not help as the transactions were not listed on my account, and they could only talk to me about MY account. They advised I talk to my bank.
Called up the bank, and explained the situation, then got put through to fraud, explained, then put through to another department, who said as I had given my bank details to PayPal years back (to deposit, not debit), it wasn’t fraud, and it was something I’d need to take up with PayFail. Back to step 1.
I then explained they can’t help, and it’s up to the bank to resolve. The only thing they could do was advise me to go into a branch, and fill out a direct debit indemnity form, as these were direct debits, and they could return them that way.
Off to the branch I went, to then be told, that form is for modifying a direct debit, I.e. you’re paying £50 a month to sky, but should only be paying £45. It wasn’t for historic transactions. They suggest I talk to PayFail. Awesome! nobody wants to take ownership.
I then asked to talk to a manager, who apparently was busy for the afternoon. I advised I probably wouldn’t be leaving the branch until I spoke to he/she, so I’ll happily wait. I had the paper, my iPad and my Macbook, so I had plenty to keep me busy. Within 10 minutes, that very busy manager was then available.
She was very helpful, and talk to the fraud team, who had earlier said they couldn’t help. They agreed to take on my case, and would give me a call by 16:00 (it was 14:00 at the time) to confirm the refunds were in place.
At around 17:00 I thought, hey, where is my call? I gave the fraud team a call, and the person I spoke to had advised the chap who was dealing with my account had gone home. I then proceeded to ask for a manager, as I had been given the royal run around. Spoke to a very nice lady who was the supervisor who advised the handling team had rejected the case, as I had at some point given my details to PayFail.
As you can imagine, not the best of responses to give to an already peeved customer. She was pretty good, and said that department was now closed, but she was in at 09:00 the next morning, and would personally go talk to the manager of that department. She advised I check my account in the morning, and if there weren’t refunds on the account by 10:00 to give her a call directly.
The refunds were on there. Awesome. Later that afternoon, I started to get emails from people on eBay I had previously purchased things from. PayFail in their infinite wisdom, had not just looked at the amounts I had contested, they had rejected all payments I had made, all the genuine transactions. I can only imagine they couldn’t find the actual transactions that had been posted to my current account, so made up the funds from the genuine transactions. So lots of irate (and rightly so) people from eBay. I explained the situation, and most of them were fine. They just had to give PayFail some docs to prove they were g transactions, and a copy of my email.
I thought that was all done and dusted. Until someone sent me some money today, I had totally forgot they had an annual auto payment to my account. The money has been accepted, and now cannot be returned. So I have funds in my PayFail account, and oh, I can’t get hold of them.

See above, my account has been ‘limited’, funny, as it was them that had made all the errors, but they feel the need to limit my account. Interesting.
The only way I can get my account working again, is to confirm my details. One of the things I need to do, is confirm 2 transactions to my bank account. They put two transactions through up to £1, and I need to tell them how much they were for. Except, my bank have blocked all transactions from PayFail, and I do not particularly want to give them the details of my actual current account, just in case they go on a frenzy again.
Arse!