PayPal Limitation

[deebee80]

Hi Guys

Would love some advice, I have had two PayPal accounts which have been limited, one is a business account which has been verified for a number of years and the other i use for personal stuff and they are linked.

My ebay account has also been limited due to my paypal accounts, and i get an error when trying to revise my current listings or upload any new ones that say's to resolve any outstanding issues with PayPal.

Now in my business PayPal account there is no steps i have to take, just sit back and wait for them to review... and i think this was because i had a high refund rate for some products i was selling.

Now because i made the error of using my personal account as a backup to use with ebay when the other got limited of course that one got limited too.

However on the personal account they are asking for things like the supplier info and invoices etc.. i have no problem giving that to them the products i sell are legitimate the only issue is my supplier is from china.. would they have anything against that?

Also another thing on the list of things which i need to complete are to resolve the issues with the main business paypal account.

How would you guy's approach this?

[oompaloompa]

with regards to china non-branded there should be no issue, most/alot of things are made there.

resolve issues, you mean refunds/disputes? are any outstanding? if you need specific advice on these, you would need to post more info...

[deebee80]

The products are my own brand OEM

I do not have any outstanding disputes on paypal both business and the personal account as well as ebay.

[deebee80]

Well i uploaded and not long after i got a suspension message for my ebay and an account closure for paypal.

So i guess i am going to have to open some new accounts, will the eBay Stealth work for the UK?

How do you guys get around location verification?

[oompaloompa]

probably just a generic 'to do' list then, just upload what you can on the list...

[Prophecy]

It has often been said that PayPal do not like Chinese invoices. However I have found this to be generally untrue for obvious reasons. There are some things you need to be careful with in regards to sending your invoices. Make sure the currency format is in GBP if you're account is British. Also, PayPal don't like to see weird company names like “Xing Chi LTD” etc.

I am just talking from experience so nothing I say is final and I am sure there are people who have submitted all sorts of invoices have had them accepted.

[deebee80]

well either way all my accounts have been suspended now.. this really sucks.

Have had these accounts for years with no issues and one little problem arises and then then punish you like this, it's sad - what kind of company are they.

[GreenBean]

The type of company that makes this forum essential.

Start the reading, learn stealth and beat them

[deebee80]

yeah.. well i just logged into my business paypal account and i was wrong about that one, seems it is still active for some reason although limited but NOT suspended?

Weird but i suspect due to my linked personal account being suspended that will probably get taken down.

I have read eBay Stealth and i am planning a new setup today i have a few options would be good to talk to somebody properly about this and which way to go with the new setup.

I have a home abroad which i could use for an address, but I'd have to open a bank account over there too which i have not done yet but is simple enough.

Also, i may go ahead and create some other accounts in the UK too where i am currently staying so i have a couple backups ready to go.

The name thing i am a little confused about, once i have new address, bank and phone number.. what name to use when i open a new PP and Eb accounts.

I looked in stealth and i know it mentions the variables, but if again i get limited then they may want to see proof of identity etc then that might be a problem i guess.

Quickly to add... should i call and followup with PayPal about the business account since it has not yet been suspended? but still limited or under review.

[Prophecy]

I'm not too sure about your business account which is under review. Personally I would just wait and see what happens. You could try calling them but they will give you generic answers like, "we will pass on this information to our Account Specialists and you should receive a reply within 72 hours".

Also I am a bit confused about how you're planning on setting up a Stealth account on a foreign address. If your address is foreign and your IP is UK-based, then it's only logical this would raise alarms. I could be wrong though.

About proof of identity etc..you will need to have these documents ready because once you reach the annual EU receiving limit which I believe is £1900, they will ask for the documents anyway.

[Batman]

Does it matter if you refund a lot from paypal? no cases opened.

[schris142]

hi deebee80
i was thinking the same thing when i had to use a name variation on my stealth account and this morning it came to the time to submit the info to get the limitation lifted.
i figured a way to get it lifted and now.
i have sold 5 items and ive got 0 feedback still on ebay and i can list 100 items or 3500 and ive only been back on for 5 days.
i cant believe it worked and it cost me nothing.

[Callidus]

I really wouldnt start uploading any invoices that are in anyway chinese or relate to goods being imported from there. Especially if its in a 'word' document format.



Good luck

[deebee80]

So what do you think guys..

I still have my papal business account that is under review.. there is nothing for me to resolve in this account.. no steps etc.. they told me a couple weeks ago the review might go the full 14 days as they have a back log but it has gone over that time.

I have no open disputes etc... the only issue is they closed my personal account down which was linked.

I might also add the business account is a full web payment pro merchant account.

Should i call and followup? or wait it out.

[rsot]

Seems like the review is dragging on - can you still receive payments? If so - can wait. If not...limitation is hard one now - I would call.

They closed down a linked account? You might be doomed, sad to say

[deebee80]

Yeah i can still accept payments in my business account can not take nay out though.. i caved in and called them and they escalated it.. so waiting now.

[deebee80]

Well i just got this email for my business account closure. :(

RE: Case reference 302692


Dear


Thank you for contacting PayPal concerning your request for us to review your account limitation, case reference PP-002-200-038-564. Your complaint has been forwarded to the Executive Escalations department for review; please allow us to offer further explanation concerning your issue.


a review of your PayPal account with the registered email address , shows that on 11 February 2013 PayPal placed a limitation to review your selling activity and the payments being received through your account.


Further to this review we have decided to place a permanent suspension on your PayPal account and no longer provide our services to you as the level of risk associated with your account is too great. This permanent suspension applies to all current PayPal accounts held by you or any further accounts you may open in the future. Due to the potential risk of chargeback and other forms of reversals, your balance will be held for up to 180 days from the date of the last payment received on your account.


In accordance with our agreed terms of use, we may close, suspend, or limit access to your Account or our Services, and/or limit access to your funds for up to 180 days if we believe that your account or activities pose a significant credit or fraud risk to us, or we believe that your actions may cause financial loss or legal liability for you, our users or us.


You can review PayPal’s User Agreement through the Security Centre and Legal Agreements links, at the bottom of any PayPal page. All complaints can be further referred to the following bodies and for the purpose of doing so, this letter will be known as our "final response":


- UK European Consumer Centre (ECC-Net):
Trading Standards Institute
1 Sylvan Court, Sylvan Way
Southfields Business Park
Basildon, Essex SS15 6TH


- UK Financial Ombudsman Service (FOS), who should be contacted within the next six months. For further information, visit Financial Ombudsman Service


- Commission de Surveillance du Secteur Financier (CSSF)
110, Route d’Arlon
L-2991 Luxembourg


Yours sincerely,