PayPal credit query

Billy_Dandy

I have a query in relation to PayPal credit that I hope somebody can advise me on.

I have cancelled all my direct debit payments to creditors. One of my creditors is PayPal credit. I owe them £2433

The next DD payment to them is due at the end of August, usually about 28th of the month.

It dawned on me today that I have a ‘regular’ PayPal account that can be used for eBay purchases and other online purchases with some retailers too. 
Payment is made at the time, there is no credit involved.

There is a payment card and bank account linked to the regular PayPal account. The same bank account that the Direct Debit for the credit account was coming from.
I haven't been able to unlink them, I have tried.
I don’t think I can ‘close’ the regular PayPal account whilst I owe money to PayPal credit.

My question is, are PayPal credit able to take the money another way if the DD fails? (i.e. using the bank account/card details as mentioned).

Thanks in advance.

sourcrates

No, as that would be theft wouldn`t it.

Any repayment option must be authorised by the debtor.

Billy_Dandy

@sourcrates

Thank you.

jamiegutz

I had a similar issue.  They didnt take any payment from the linked cards, but they did put restrictions on the account meaning I couldnt add or remove any new cards or bank accounts.  I dont think they stopped my ability to use the account all together but cant be sure.  I ended up just setting up a new account under a different email address.

Billy_Dandy

@jamiegutz
Thanks Jamie. I did in the end manage to remove the debit card and bank account. I had to have something there, so I linked one of  the credit cards I won't be paying. 

Rob5342

When i started my dmp Paypal froze my non credit account so I couldn't use it. It was a slightly odd arrangement where the payment from Stepchange would be credited to my non credit paypal account, and the next dsy it would be transferred to my credit account. That was a few years ago though.