Restricted paypal account to confirm details

Steel_2

My hubby had his Paypal account restricted on Monday.

After the last declutter of our loft, garage and hobby rooms, it seems he has gone over his limit. This has not been run up quickly - it appears it's the amount of money paid into his account during the last 12 months.

They think he is running a business and want him to a) verify his details (did this around a year ago and all seemed well) and upgrade to a business account. As he is not a business, he does not want to.

He has been asked to complete three steps:
1) Two small amounts are to be paid into his account and he must set up up a direct debit (he doesn't understand this bit and has not set up the direct debit as a result)
2) Phone call from Paypal to home (completed)
3) Complete his business details (cannot complete as he is not a business)

He's a bit confused and stuck now about what to do, not to mention unwilling to allow Paypal access to his bank account through a direct debit.

Can anyone advise please on the best way to deal with this?

cyberbob

If he doesn't allow the direct debit his account cannot be verified so he will be unable to use it if he has breached the limits. It doesnt sound like they want him to get a business account but a premier account

This is from paypal

Business type (please choose 'Individual' if you are not a business holder)

so he just needs to do that on there forms.

If he doesn;t do those steps he will not be able to use paypal. Remember all direct debits are covered by the direct debit guarantee

Steel_2

Thanks Cyberbob. He's gone ahead and started the process of completing his details and now found the "individual" choice option.

May I ask one more question please?

As most of the stuff listed was just a normal range of household 'junk' he's a little unsure exactly what option to pick for category of sales. He wants to choose 'non profit', as he reckons that the goods he sold were personal & secondhand and not bought to make a profit, but isn't the 'non-profit' option for people selling things for charities?

I think what he's worried about most with this process is the direct debit facility one day being abused by paypal. He spent a while sorting out npower after they abused the privilege and took money they shouldn't have. It's made him keen to keep tighter control on the process of paying for things.

fatherazhara

Steel wrote: »

Thanks Cyberbob. He's gone ahead and started the process of completing his details and now found the "individual" choice option.

May I ask one more question please?

As most of the stuff listed was just a normal range of household 'junk' he's a little unsure exactly what option to pick for category of sales. He wants to choose 'non profit', as he reckons that the goods he sold were personal & secondhand and not bought to make a profit, but isn't the 'non-profit' option for people selling things for charities?

I think what he's worried about most with this process is the direct debit facility one day being abused by paypal. He spent a while sorting out npower after they abused the privilege and took money they shouldn't have. It's made him keen to keep tighter control on the process of paying for things.

Hello, if you go into debt with paypal then they can just get the money out of your account if it isnt available in your paypal account, but they wouldnt be informed if you perhaps had to close that account for any reason and open a differant account......

cyberbob

Steel wrote: »

Thanks Cyberbob. He's gone ahead and started the process of completing his details and now found the "individual" choice option.

May I ask one more question please?

As most of the stuff listed was just a normal range of household 'junk' he's a little unsure exactly what option to pick for category of sales. He wants to choose 'non profit', as he reckons that the goods he sold were personal & secondhand and not bought to make a profit, but isn't the 'non-profit' option for people selling things for charities?

I think what he's worried about most with this process is the direct debit facility one day being abused by paypal. He spent a while sorting out npower after they abused the privilege and took money they shouldn't have. It's made him keen to keep tighter control on the process of paying for things.

The category of goods he picks to say he's selling doesnt really matter as long as he's listed as an individual. (i think he;s over thinking it)

As for the DD being abused by paypal. Its part of the DD guarantee that banks adhere to so any unauthorised transactions will be covered by this. If he's that worried he could always open another bank account for Paypal. I've got a seperate one for mine just so I know whats going on

The Paypal Direct debit is the same as any other DD. I've got 15 to 20 DDs on my personal bank account and the only one I have had problems with was BT. They overcharged but it got refunded quickly.

Part of the DD Guarantee

If an error is made by the organisation or your bank or building society, you are guaranteed a full and immediate refund from your branch of the amount paid

PinkMascara

try to avoid non profit, i did that once which ended up with my account limited until i provided my charity reg number =\

I had to email them explaining I didn't know which one to choose and that I wasn't a charity