3 paypal accounts limited ???????

[tuananhuk]

I have got 4 accounts with no reason. I think this is related to IDs submitted. Similar faces, maybe.

[rsot]

Originally Posted by tuananhuk

I have got 4 accounts with no reason. I think this is related to IDs submitted. Similar faces, maybe.

There is always a reason - could just not be logical to you or apparent. More details needed...were you selling risky items? Linked accounts? Same info?

[donkeykong2012]

Unlikely IMO.

Something far more obvious than that.

Stealth Creation and Daily Stealth Management Issues are the most common reasons.

Mistakes can only result in consequences sometimes months or even years later.

Originally Posted by tuananhuk

I have got 4 accounts with no reason. I think this is related to IDs submitted. Similar faces, maybe.

[rsot]

Originally Posted by foxtrom

So what would you advise? End all my active listings and say goodbye to my ebay and paypal account? I have £300 still stuck with paypal.

Make backup accounts as well and get them going

[donkeykong2012]

In the last 10 minutes I have just had another Receiving Limit lifted.

I have been checking out this company ID Checker.

Watch the video below.

Closing the loop of online person identification | Facelink

I laughed so hard when she took a photo of herself.

The technology is impressive. But this is EBay and Paypal we are talking about.

The technology is next to useless if people don't trust the organisations who ask for it.

I am trying to imagine everyone up and down the country taking photos of themselves in a rush to send them to EBay and Paypal.

I am struggling.

You only have to visit Paypal's Community Website to see the disdain.

[Geegee83]

I lost one of my stealth PayPal accounts a few days ago.

The difference is that I've NEVER been banned from eBay or Amazon etc, so the ID documents/credit check part does seem probable.

The eBay account was used to sell some random flag items, nothing even close to Vero, and I sell about 10 items a week, valued at £2.50 ish.. I was just building the account up for later use, it's about a year old.

I don't blame the seller in any way, it's just one of those things.

I have 3 other accounts, I'll log into them tomorrow and see if they are still okay or not.

I'm very lucky that I already have my original unrestricted account, but it sounds very bad for stealth if the theories are true.

[Geegee83]

2 gone now.. the oldest 2 I had..

[blueuk]

You have to look at similarities between the accounts.

That means sort codes, VCC, voip numbers, similar starting mobile numbers, all accounts having made up addresses, similar IP's.

It's not totally unreasonable to believe they are credit checking the ID's finding nothing and that being considering "high risk".

In the UK having no credit history can be more of a problem than having several CCJ's and even being bankrupt.

[donkeykong2012]

Originally Posted by blueuk

In the UK having no credit history can be more of a problem than having several CCJ's and even being bankrupt.

You cannot be serious?

I have assessed credit in the past.

And ID.

And had a long track record in Financial Services.

Who would you rather lend to please?

Customer A with 4 CCJ's and Bankrupt in the last 5 years?

Or Customer B with no Credit History?

[donkeykong2012]

You are getting mixed up being found on the Electoral Roll and Having no Credit History.

If a customer has neither but produces Id that the lender is happy with, they are likely to be willing to lend.

[Kiroshi]

Originally Posted by blueuk

You have to look at similarities between the accounts.

In the UK having no credit history can be more of a problem than having several CCJ's and even being bankrupt.

From a qualified 'professional' who works in financial services this is the funniest post I have seen on here to date.

Even more so than Stevebills' posts!

[blueuk]

Yeah OK super clever people. I'm not the one having accounts dropping like flies.

Going completely off topic, but not going to be insulted on here.

2 people. 1 with some defaults and a discharged bankruptcy.

2nd, can't find any history whatsoever.

I personally wouldn't lend to either. Plenty will. Someone with some credit history, although bad, will have an easier job getting credit. Fact.

NOW back on topic. This CANNOT simply be simple ID checks, otherwise the receiving limit wouldn't be lifted with documents. The account would be limited.

If what people are saying is correct and they are running deeper credit searches, then it isn't simply a case of name is at address = ok.

An ex bankrupt may be a too big risk for paypal. Likewise someone with several defaults, lots of late payments. The same as name/address/sort code account number not matching up.

[Callidus]

Originally Posted by blueuk

Yeah OK super clever people. I'm not the one having accounts dropping like flies.

Going completely off topic, but not going to be insulted on here.

2 people. 1 with some defaults and a discharged bankruptcy.

2nd, can't find any history whatsoever.

I personally wouldn't lend to either. Plenty will. Someone with some credit history, although bad, will have an easier job getting credit. Fact.

NOW back on topic. This CANNOT simply be simple ID checks, otherwise the receiving limit wouldn't be lifted with documents. The account would be limited.

If what people are saying is correct and they are running deeper credit searches, then it isn't simply a case of name is at address = ok.

An ex bankrupt may be a too big risk for paypal. Likewise someone with several defaults, lots of late payments. The same as name/address/sort code account number not matching up.

The point that is being missed is that I BELIEVE the system is in place now, as a seller we should be noticing this more than anyone based on the amount of accounts that are setup.

To be honest, there have been some very wierd things going on. Documents being accepted and then declined 2 days later after being accepted. That does tell me one thing on these test accounts that I setup. They're either able to verify the DL number through a direct system and if it doesn't show it's bye bye, OR going in depth to do background checks and nothing coming up.

Still can only guess until the 29th December comes round

[rsot]

Originally Posted by foxtrom

So what would you advise? End all my active listings and say goodbye to my ebay and paypal account? I have £300 still stuck with paypal.

Don't risk more money coming into this limited combination

[Geegee83]

As chance would have it, I'man ex-bankrupt, over 7yrs ago now though, never had a problem with my genuine PayPal.

A lack of credit history will be an issue.

It seems like it's more a case of accounts from one seller being the issue though, I don't want to cause problems by saying who.. but it would be interesting to see if any PayPal accounts have gone down from 2 different sellers on here, or even people who have set them up themselves? I'm guessing the mods are looking into this though.

Things change, and old practices and procedures get caught out, it's not the sellers faults, Paypal will always try andmove the goalposts to catch stealth accounts out..

[donkeykong2012]

A lack of credit history does not mean the account is a risk to Paypal.

And this alone should not lead to auto closure.

There is far too much speculation on here at the moment.

I'm convinced they will assess numerous factors before making that decision.

[Geegee83]

A lack of credit history is a broad term, I mean a lack of a bank account or electoral role register for that person... it's going to be a problem as it's most likely you have lied on their forms..

[Geegee83]

Also, with mine, they are asking for further ID, so if I was genuine that wouldn't be an issue giving them more docs, so they are catching out people that are phake.

What caused all this though, I'm not too sure..

[donkeykong2012]

I'm trying to think logically here. Forget Paypal for a second.

Say I walk into a High Street Bank with my Driving License and Utility Bill.

Both ID have address A on them.

However I am not on the Electoral Role at Address A.

I want to open a Bank Account with the Bank at Address A.

They would request the ID, then open the account.

If the Bank wanted to perform another soft check 5 years later, and I was still not on the Electoral at address A, with no further credit history it is unlikely they would be concerned. Especially if the account was been used appropriately.

The same principals apply to Paypal in some ways.

However people do move around. On the TV the other night a programme stated the average person moves 8 times.

[Geegee83]

Yeh I agree with you, and it does seem very odd.. the only thing I could "argue" is that PayPal are trying to catch scammers out, whereas a bank isn't I guess.

I think we both agree it's very odd and doesn't make sense at all, it's good to consider the options though.

I'm still thinking it's been linked up on creation and somehow they have detected those accounts that were linked. I bet if I tried to get the restriction lifted, they would ask for a bank statement maybe?

The two accounts I got caught on, I got an email yesterday saying the automatic payment method had been removed, the email was from eBay.. and they were 2 mins apart in receiving the email.

It all seems very strange.

[donkeykong2012]

My thoughts precisely.

I suspect linkage.

This could be at account creation, or at any time during the lifetime of the account.

The most rational and simple explanation is usually the most accurate.

The problem with that is, some people will not accept it.

[blueuk]

Are we saying the only accounts people have lost are accounts sold by a seller starting with e and ending in ust?