Paypal limitation - risk to getting banned? Some specific questions

Guy_Inkognito · #1 06-03-2010

Hi,

I am new here and found the content of this forum very useful. I have, however, a specific case and would like to ask you if you think I am in risk of "parting terms" with paypal if I proceed verifying myself which I need to do to get access to my funds.

For history, I was operating a couple of Paypal accounts on bogus names which I linked to my website selling products. I never went above a limit or was limited with any of those accounts (only the EU limitation, where I could still buy products with the money or send it to sb else, mainly used them to buy products via ebay) and never had any problems. I had however one account with my real name (a business account, for bigger stupidity) which got limited as it went to above 1,200 pounds as I suddenly experienced rapid sales and on top got limited with a second case because I operated an anonymizer software which gave me a foreign IP and then Paypal limited it because of potential 3rd party access.

I have now been waiting some time (more than 180 days) and to my surprise the only case left is the 3rd party case and paypal wants to confirm my address by either "confirm of location" or sending them a bank statement, utility bill etc. The other case (EU) is gone. After resolving the case they say an account specialist will review the account.

Paradoxically, I would be legit to withdraw money to my bank account but not send any money. I have however, not added a bank account and they don't permit me to add one unless I confirmed by sending the docs.

My question is now the following: If I send the docs (since all info is real in the account, just changed the address) will the account specialst sniff around and make any trouble with connection to the bogus accounts (which against their terms of use). I supidly used emailadresses like xzy1@mydomain.com and xzy2@mydomain.com .... to open the bogus accounts out of conveniecene.

On top of that, I would like to use this business account as the legit account for my limited company I just formed...I can't jeopardise to getting banned now my business is starting for real.

What would you recommend? Should I and how should I verify myself to them and what are the risks?

Thanks,
Guy Inkognito

GreenBean · #2 06-03-2010

Welcome to the forum,Guy

Very first thought that came to mind was 'tainted'. What did I mean? That paypal is tainted. I can estimate many things paypal might do. But I've not yet discovered the magic formula for how their collective mind works.
Since this account is going to have a 'manual' appraisal done, it is likely that the association or link to the other accounts will be found. getting that limited is no help to your future business plans. Associating a limited, then unlimited, paypal account with a new business is not a good idea either. I'd reccomend new paypal & other payment options.

Guy_Inkognito · #3 06-03-2010

Hi GreenBean,

thanks for the welcome! I really appreciate all the information in this forum. It is really helpful. I seems like everything in ebay/papyal world seems to have become worse than 1984. I still remember opening my ebay account in year 99 with only needing to supply an email address. Sometime mid 2000s they asked me to verify :-)

In terms of opening a new paypal account for the Ltd. company what would you suggest? The company has seperate address, bank accounts but my name would still be the "contact person" you need to supply paypal with.
Other options I thought of is Nochex merchant...seems quite cheap and convenient.

However, how would you suggest to get my money out of the old paypal? No way around sending my docs? Would it help to close the bogus accounts (I guess they will be stored in their database for the next 7 years...)

Thanks,
Guy

paypalpains · #4 06-16-2010

Hi guy, do not know if I followed you correctly, however correct me if I am wrong, you say that your limited account has gone over the 180 day threashold? and that you do not have an account on file for them to transfer the money into an account? I am presuming that is correct, and if that is the case, I would strongly suggest you read PP TOS and then call them regarding YOUR money that they are holding, without your permission, and beyond their legally stated time.
I would strongly suggest you contact the financial ombudsman, and let PP know if they do not release your funds within 24 hours< of the email stating that> then you will have no other option but to take the matter further, seek legal advice and start court proceedings against them in the small claims court.
I have a dossier of information about who you need to take to court, and a host of other information if you are interested, just let me know through pm.

Guy_Inkognito · #5 07-09-2010

Hi Paypalpains and others,

that is correct. I could withdraw my money to a bank account if I HAD added one. However, if I try to add a new one, they don't allow it because I am limited.

What I did now: I sent them my credit card statement as a proof of address to lift the limitation. However, thay did not lift the limitation but instead found out that my account was linked to others.

Now they are requesting a copy of my passport (which is no problem, since the account is in my real name).

However, I have like 10 linked accounts and they are writing

----------------------------------------------------------------
Resolve issues from other accounts
----------------------------------------------------------------
It appears that you have or are connected to multiple accounts that have
unresolved issues. Before we can restore full access to your account, you
will need to resolve these issues, including bringing any negative balances
to zero and resolving all complaints.

Does that mean they will not lift the limitation either if I supply them with my passport copy? I can't resolve the issues with linked accounts (they are limited as well) because they are in fantasy names. Linked accounts have no complaints or negative balances however, they were just limited because they went above GPB 1,200 treshold.

What are my risks now? They will permanently ban me? Will they keep my money? Will they pass on my details for investigation because I opened accounts in other names? I feel completely surveilled now...