Description

Pay Pal Credit has frozen my ebay account

**Action Plan for Resolving PayPal Credit and eBay Account Issues**

1. **Document Everything:**
– Maintain a detailed record of all communications with PayPal Credit, including dates, times, and content. This documentation will be essential for any future disputes or escalations.

2. **Contact PayPal Support:**
– Reach out again to PayPal Support via email, providing all necessary details. Emphasize their disabilities and request assistance in resolving the account suspension and payment issues.

3. **Dispute Unauthorized Charges:**
– Contact the bank to dispute the unauthorized £100 charge. Explain that PayPal Credit should not have charged their new account and request a reversal of the charge.

4. **Request a Payment Plan:**
– Propose a manageable payment plan to PayPal Credit, explaining their financial situation and inability to pay the full amount immediately.

5. **Seek Legal Advice:**
– Consult a lawyer to understand their rights and options, especially if faced with legal threats from PayPal Credit.

6. **Report to Regulatory Bodies:**
– In the UK, report the issue to the Financial Conduct Authority (FCA) to seek intervention and ensure accountability from PayPal Credit.

7. **Protect Bank Account:**
– Monitor the bank account closely for any unauthorized transactions. Set up alerts and contact the bank immediately if any suspicious activity is detected.

8. **Rebuild Credit Score:**
– After resolving the debt, focus on rebuilding their credit score by making timely payments and managing credit responsibly.

9. **Avoid Legal Action:**
– Stay proactive by responding to all communications and seeking help early to prevent legal action.

10. **Clarify Account Separation:**
– Confirm with PayPal Support whether PayPal Credit is separate from PayPal. Ensure accounts are properly managed to avoid future confusion.

11. **Engage Advocacy Groups:**
– Reach out to advocacy groups for the deaf and disabled for additional support and resources tailored to their situation.

By following this structured approach, the user can systematically address each issue, protect their financial interests, and work towards resolving their account problems.