I have my PayPal account for over few years now. In that time I register to PayPal for making easy purchases on Ebay. It is much more easier to pay via PayPal that to first search for your wallet, take out credit card, fill in all details and after 5 minutes finally pay. The registration to Ebay is pretty simple. It just takes to fill in your detail such as name, address, phone number and link your account with your debit card or bank account. If I remember correctly the whole process did not take more than few minutes.
Great feature what PayPal offers is, that you can send money to your friends PayPal account with no cost which becomes pretty handy if they live in a different country. Few months ago, my friend in Germany asked me if I could borrow him 50 euro. I agreed, but if I looked on my bank fees, I would pay 50 euro + £17.50 on fees. That did not make sense for me and the money would go to him for few days. So I told him to setup and PayPal account and he had the money the next day with no additional costs. PayPal is a real money saver if you transfer some money to a person who lives in different country than you are!
The next good think is, that more and more online shops start to offer payment method via PayPal. The marketplace is growing rapidly and each day more and more retailers start to support this payment method.
And in the end if you are a person who does some small online jobs, like for example online surveys, most companies will pay you your earnings via PayPal.
Nowadays PayPal is for me already a must and I use it regularly by my online shopping or to finance my Netflix subscription.
I have had a PayPal account for about 10 years now. I first set up my PayPal account to make payments on eBay quickly and easily. PayPal is really easy to use when everything is set up. For me I remember setting up my account was easy, this seems to have changed a bit now though. Last year my husband set up his PayPal account and there were lots of security things he had to go through such as having as code sent to our landline phone to variety his phone number. Although this is annoying it does mean everything seems really security conscious,
I have haad difficulties changing my details with PayPal and I actually can not use my PayPal account at the moment. I filled out the online forms correctly but still nothing. I then emailed PayPal customer services but never received a reply. Obviously this is really annoying.
PayPal is a money payment service. It is free for individuals to use and there is a limit on how much you can pay through it in a year and what you can receive. The limits are really high and I doubt any individual would need this increasing unless they were trading online.
When your card details and everything is set up on PayPal it''''s simple to use. More and more companies online offer PayPal as a payment option and the payments are pretty much instant.
I really miss being able to use PayPal as it was really convienient. It would be good if there site was just as bit more user friendly and if they ever reply to my email that I sent over a week ago.
I first set up a PayPal account when I set up an eBay account back in 2001. I was dubious at first as I didn''t like the idea of inputting all of my credit card details into a third party website (I was also new to the whole internet thing back then!) I remember my first couple of purchases on eBay I had posted cheques to the seller, but when one said they wouldn''t accept cheque, only PayPal, I was forced to set up a PayPal account. I think the site is great. A safe and reliable way to send and receive funds, everything is safe and everyone is happy. If you sell something on eBay, when the purchaser pays you via PayPal it hits your account immediately meaning that it is a very quick and easy site to use. Once you have linked your bank account to your PayPal account, withdrawing your funds is a breeze. A couple of clicks of the mouse and your funds are in your bank account instantly, ready for you to withdraw (it is with my bank anyway) I also have the PayPal app on my smart phone and this too is easy to see. I get an instant message flash up on my screen and I know that I am about ten seconds away from being able to have cash in my hand!! (As long as I am near a cash machine lol) There are a lot of websites out there that enable you to earn a few extra pounds here and there and one of the things they have in common is that they all offer payment by PayPal. So if like me you just love doing bits and pieces to earn a little beer money, a PayPal account is a must! Well don''t PayPal - keep up the good work.
I've used paypal for over ten years now. I love them because they're a very secure site. I guess that is very important versus a company where you can't trust. If you can't trust a company that you're going to send or receive a large sum of money then its no good. I really trusted them and have never had any trusting issues so I would recommend them over other services due to trust and security and the fact that the world uses them. If the world trusted them so they must be good. If a service is bad, it will be all over the net. I have used them when I was selling on Ebay and they had never had any trust issues with me. All of my payments were received and I was able to withdraw them so I like that part. I still have an account with them right now and its just going fine. I have never had any issues with paypal so this is why I think others can trust them too. However because they're strict, you should watch out or else they can freeze your account and hold up your money for six months. You will be frustrated. They have bots that pick up if you change your info. too often and they need a lot of IDs if you do run into problems so remember those things.
***Warning- Epic Novel Ahead***
I have been using PayPal for numerous occasions from donating money to special causes to being paid for work I have done for someone overseas in American. It is a fantastic website and the service they provide is the best on the web. The main reason I use Paypal is because I receive and send money on eBay for things I've sold and bought and it's made eBay such an pleasant experience that some get addicted to eBay and I've got to say I have been on the verge myself. However sometimes people disagree on eBay because of the produce they have received and want a refund, the problem there is the seller is 60% of the time reluctant to give you a refund or simply refuses. Here is my experience with PayPal's Claims and Disputes procedure.
I don't want to bore you with the details, but basically I bought a Xbox 360 console on eBay which had the Red Ring Of Death (broken down), I was fully aware of this fact and I was sure (and was right) that I could fix the console, but that wasn't the main thing that attracted me, it was the fact that for the price tag of only £65, I not only got a console I could easily mend, but also 28 Xbox 360 games, now any Xbox 360 gamer or in fact anyone who knows anything about technology would agree that 28 Xbox 360 games of any kind are worth more than £65, so I jumped at the chance, although I knew it was too good to be true, and how I was right.
After a week of waiting I finally received the long awaited package and got my knife and sliced open the packaging tape and to my surprise, I found a bubble rapped package with about 15 disks and about 10 cases of poorly packaged and replicated Xbox 360 cases and games. They were counterfeit, fake, replicas, copies, whatever you call them; they were not genuine Xbox 360 games, now that just drops the price of the package to £20 - £30, I fact I wouldn't have bought it. I know your probably thinking, well it was too good to be true, what you expect, I expected a really fantastic bargain.
Of course after carefully reading the sellers descriptions, which has more mistakes than a Reception Class Shakespeare's Poetry Essay, I decided to contact the seller, of course I was a little distressed about the whole ordeal, but maintained myself from writing anything that the seller would later use against me. The seller, I later realised was either a 12 year old child or a very stupid adult (my money on child), was highly unhelpful, said that he did stat they were "copies", but what he really said could have been interrupted differently by anyone, "Included 28 games copies", since replica games are not allowed to be sold on eBay, I though he meant 28 games, but some are the same as others, hence copies of the same title.
---My Attempts to Resolve With Seller (As Recommended By eBay & PayPal)---
I attempted to reason with the seller, saying I only want a partial refund as I don't want to send back the console as it will cost about £10 to do so out of my own wallet, the seller simply gave me 1 line answers saying, not his fault, "take it up with eBay". After about a week or so of back and further as the seller only replied once a day, quite annoying, so not a hope in hell would I be able to solve this dispute with this person.
---Dealing with PayPal Saga---
I have has previous experience with a PayPal dispute before, a seller sold me a broken item, refused to give me a refund, I disputed and it was solved within a week, I sent it back got my money, fantastic. Although it was a similar case here it took a little longer, and it is probably one of the more complicated cases PayPal can do, so if I lived to write this article/review, it's not all bad. I opened the dispute after talking to the seller, who was probably trying to be as uncooperative as possible. Paypal responded quickly, asked for the seller point of view in this situation, which the seller gave, after about a day Paypal came back to me and said they would like some proof of counterfeit, now this is where my problem started, I didn't know what they meant, so I had to call them up and ask.
PayPal has to have one of the best telephone customer services I have ever dealt with, although you do have to deal with an automated machine, which asks you for the customer ID number the website gives you when you select the option to call and can take a few minutes to get you to a real person, but if your desperate, just use some tricks like swearing at it, mumbling your speech or saying "Speak to an Agent" constantly. The people are very friendly and are typically English, they recognise you issue and deal with it or transfer you, so it is done quickly. I was able to explain my issue got some good answers and I was on my way in 10 minutes.
---Dealing with PayPal Saga- Continued---
I eventually got the required documents, I basically had to go to a game shop and ask them to type me out a note to say that the games are not genuine, I have a friend who works in HMV who did it for me, I don't know what I would have done if I had to go to a total stranger in a Game shop and ask them, they would probably say no and I would be embarrassed and still requiring the letter/note. The letter basically had to include a company's letter head and location information. This is a little odd, since in cases like mine, it isn't jewellery or something that has special shops what would do such a request for you, it can be difficult to obtain the information, especially as I was only given 3 days. I scanned the document and sent it to PayPal. They didn't replay for 2 weeks, which got a little annoying so I decided to call them again (I forgot to mention that it's an 0870 number, but I got these calls free from the BT package), I once again experienced their fantastic customer service and I was asked to send another document, which I had to print off and sign saying I destroyed the counterfeit games, I printed and signed. It is quite odd, as PayPal asked me to fax the document, however it could have easily been scanned and sent, which I did and it was fine.
After a few hours wait, Paypal said that the case was granted in my favour and I get my refund, which I was ecstatic about since I have been running around and waiting for almost a month. Unfortunately the seller only had £5.60 in their account and I was given that, Paypal said they will get the rest from the seller eventually, and to this day about a week after the issued refund.
The seller even contacted me saying when I will send back the games from the refund, since PayPal didn't say anything about sending back the console or the rubble that is the games; I decided to tell the seller just that. I bet now he wishes he gave me my refund when he had the chance instead of his account been frozen.
Basically PayPal has been fantastic, and this is for anyone faced with a refund issue similar to mine, I advise you to talk to PayPal, they are very helpful and will eventually get you your money. Also it is worth giving them a call, although it is premium charge for the 0870 number, it is worth it.
Thanks for reading and hope anyone luck who is faced with a similar situation.
I first started using Paypal some 8 years ago, predominantly to link it to my Ebay account which I was at the time selling a lot through. It was therefore a very important tool to receive payments instantly.
I have used it fairly regularly since then with mixed reviews.
The site has fairly recently been redesigned and is slick and very easy to use, it's easy to withdraw funds to a bank account I have saved and the process is quick and these days free.
The fees on receiving payments are acceptable and inline with competitors and something you just accept for the convenience of the service.
Downsides are security of late, this may now be resolved but until last year there seemed to be a few problems regarding hacked accounts, my own was one of these and a number of payments to unknown companies were made. I contacted Paypal and they fairly promptly resolved the issue and the funds stolen were returned. I am using it currently for one or two transactions but not quite the extent I was before as I am just a bit unsure about its security.
I have used well over 10 different payment processing sites over the course of my internet use and none of them can compare to the ease of use and security that PayPal provides to its customers.
PayPal payments are accepted worldwide in over 25 different currencies by millions of customers each and every day. More and more I am seeing that online merchants are using PayPal as a way to make purchases, which is making PayPal even more enticing to use as time goes on.
The fact that PayPal is so widely accepted is indeed their strong point as it makes life so much easier and convenient when you can have one account to pay for everything online. You can load however many credit cards and bank accounts onto your account to transfer money in and out and never have to worry about internet fraud again.
I purchase pretty much everything online so one reason why I especially enjoy PayPal is because they always err on the side of the consumer when a questionable transaction or dispute comes about. When making purchases and payments online, there are times when you may want to purchase something but are wary of the site in question and so in those instances I will always use PayPal because I know that if the company doesn't fulfill its promise I will get my money back and not have to worry about my credit card or banking information going into the wrong hands.
While their fees are slightly higher than some other payment processors out there, they are still very reasonable and the security and ease of working with them make those extra dollars and cents worth it.
If you are looking to shop online and don't have a PayPal account, you are truly missing out as I believe it is the safest and easiest way to shop online.
I find paypal very useful and easy to use, I sell cds on sites such as discogs and have to organise payments with the buyer rather than the site doing it and I allways ask them to pay via paypal, they send the money to you which comes straight out of their bank account if they have linked it to their paypal account, you then get an email saying you have recieved funds, the money that they have sent you goes into your paypal account immediatley which I think is the best part of this service, you can keep the money in your paypal account which you can use to pay for things or you can send it to your bank account which might take about three days to clear. One thing I forgot to mention is that the buyer only needs your email adress that is registered with poypal to be able to pay you so you dont have to give out any bank details, I find this whole process very simple and would highly recomend it, it is also alot safer than a bank transfer because you dont have to give out your details.
I have been using PayPal for years now, and before today would have recommended it to anyone. But now, unfortunately I am not a fan of the site - and rather frustrated that I need to use it as I know no other way to transfer my money from the US to the UK. I tried to transfer money a day ago - I've done this every month for over a year with no issues - and was told my payment was under review and would be available in my account in 24 hours. Well I checked back today and it wasn't. I tried to look at the details of the transaction, and there was no helpful information. I tried looking at other possible solutions, and found nothing. I then saw the option to refund the payment. I clicked on what that meant, and it explained how the whole amount would be refunded - that PayPal would graciously refund the massive fee that they took from me. But there was no mention as far as I am aware of how long it would take. I then refunded the payment and was informed that it would take a WEEK to process! I proceeded to send an e-mail - which would take 24-72 hours to get a response, and called them - which I was reluctant to do as I get charged for the call. The guy was not very helpful, and had a very annoying voice. I felt as though he was just reading a script because whenever I asked a question he would just respond by saying "Well just let me explain to you the process so you can understand...." Which I found very condescending. He then basically informed me that it was my fault because I should have called first - and get charged! - because now there is no way to stop the refund. And they might have been able to do something before that.
I just warn you to make sure you are consistent with the payment option you choose. I have been doing this for years and figure they were all the same time wise, and they are NOT. I am not very impressed with the service, and mainly the website, as it is very confusing and not a lot of substance to the "answers" to questions/queries, which is what led me astray.
Paypal is a great way to be able to shop online and securely pay for the items you choose to purchase. You can enter card details into a paypal account (that is free to set up) and then you can purchase your items. The card details can be entered every time or you can store them in your password protected account and not have to worry about entering it next time.
Lots of websites accept paypal as a method of paying including amazon and ebay.
With websites such as amazon and ebay, having the security of paypal behind you gives you that little extra bit of confidence to purchase the products you want. Also the money transfers quickly to the person you are paying and is marked from your account instantly so you know you cannot spend that money. It is then actually taken from the account within a couple of business days which makes it easier for you to balance your accounts online of on a paper statement.
I really like using paypal to purchase products online and love the fact that you can sign up for an account free of charge online. It is quick and easy to do and only has to be done once. After that, you only have put in your username and password and you are good to go and purchase your items. Just make sure that your password is secure enough so that people can't guess it and access your account details.
Have fun shopping securely online with paypal.
I have been using PayPal for around 2-3 years now, pretty much ever since I started making money online. That online money making journey began with eBay, and since eBay owns PayPal it's only natural that I would create a PayPal account when making an eBay one. At first, I was in love with PayPal and truly believed it was the best way to transfer money online, a complete fanatic of the website really. Today, I still believe it's the safest way to transfer money online, but I no longer think it's the perfect website I thought it was when I first started using it.
As I said above, PayPal truly is the safest way to exchange money over the internet. As the internet continues to grow, so do the large amount of scams that take place on it. Of course many people have still been screwed over using PayPal, but it weeds out a lot of the major scams. Unfortunately though, the safety that comes along with PayPal comes at a cost. This brings me to my next point which is..
PayPal has become very well known for its greedy fees, and for good reason too. If you ever send any amount of money, unless it is sent as a "gift", it is considered applicable for PayPal to slap a fee onto it, which means if you're the sender of the money you may have to send MORE money to cover for the fees, or if you are the receiver of the money it means you will be getting LESS. All in all it means that both parties lose out.
Over the years many people have tried to squeeze their way out of fees by simply exchanging all money through gifts. While this has proven to be at least somewhat successful, it only works with small amounts of money (of which the fees would likely only be a penny or two anyway.) If you try to send a large payment, say, a couple hundred pounds as a gift, it's going to look a bit suspicious. After all, it's not often that you just decide to send your niece enough money for a new TV without any sort of "Happy birthday" message. If you are caught committing fraud with using gift mode to avoid fees, all sorts of hell can be raised by PayPal onto your account.
I have only ever contacted PayPal customer support on one occasion. I had gotten scammed online, bought something and never received it. It was supposed to be a digital item, an ebook actually. There was also a buddy of mine that purchased the same thing. We both opened up disputes with PayPal, and told them our side of the story. The scammer lied to PayPal support and simply stated that he had no idea what we were talking about and that WE were trying to scam HIM. PayPal let it go and both me and buddy were out the money. It wasn't much, only a couple of pounds, but still, isn't it the little acts of kindness by customer support that helps us judge a company most of the time?
This is another thing that really frustrates me with PayPal. After someone purchases your item on eBay and they pay you, PayPal keeps your money in a holding balance for approximately 20 days. It's very annoying if you're like me and try to make monthly deposits from PayPal into your bank account, as the money in the holding balance is essentially worth nothing for those 20 days, it can't be used for anything. I realize eBay wants to prevent scamming on their website at all costs, and I am glad they are making an effort to do so, really I am, but you would think they could come up with a way that doesn't hurt the users so much (heck, maybe they could work with the customer support, we already know that could help.)
You're probably thinking that with all of the stuff I have said that frustrates me with PayPal that I would give them a poor rating, however, I'm still going to go with the 4-star rating. And that's all because of the first thing I mentioned. Safety should always come first when exchanging currency over the internet, and despite some of the shortcomings that PayPal does have, I will give them credit for valuing safety over pretty much everything else.
If you've read some of the things in this review and decided against PayPal, or you are simply sick of some of the annoying aspects of it, there are some alternatives to it that are starting to gain momentum. The closest alternative is AlertPay, and coming in at a close third is Liberty Reserve. Both have millions of active members, many of which swear they are better than PayPal. Personally I still feel that PayPal is the most secure of all of them, but if you want something a bit different with some members that swear by their payment processors service, then I would completely understand your reasoning.
For those that do not know, paypal.com is a way to transfer money online from other paypal accounts, or through bank accounts. I recently created a paypal account so I could receive money from a few sites that only payed in paypal and was delighted to see that it was exactly like regular cash. However I started researching on other methods and although paypal might be most popular, there are other ways out there.
First the pros and cons of paypal:
Pros: Using paypal is definitely an easy method. Transferring money is as simple as directing which paypal account you would like to send to as email accounts are the login names. Then there are options to choose from such as sending the money as a gift or for charging someone. What is nice initially is that you do not need to have a bank account or anything to have a paypal account. However there are limitations until you do get verified with a bank account. Another plus was I could use paypal to go shopping online since many places have options to buy using paypal or I could try certain sites that sell gift cards for paypal money (watch for future reviews if I can for these great sites).
Cons: There are huge limitations on paypal if you are looking to transfer money in larger quantities. The only way to lift these limitations is by verifying with a bank account which can be scary for some and is definitely for me! Not only that, but there are also fees associated with transferring online. It is not always free as cash is. The security so far seems to be protective but I have also heard stories of hacking (however regular bank accounts get hacked too).
I searched online to find other sites that do exactly like paypal but even easier! I found a site called Alertpay that is definitely easier to verify having only needing a phone number and one other verification method such as a check number. Another I was looking into was Western Union which directly can even send money to THOUSANDS of locations in grocery shops and etc. that give you direct cash!
Overall, I would suggest getting a paypal for small transactions but make sure you have the ability to spend the money whether by attaching it to a bank account or the sites that you can spend paypal money on.
Yet Another Paypal Scam???
Be aware you poor buyers thinking you can trust Paypal to cover you.
They changed the rules a while ago so you are covered (supposedly) for items that are too large to post. Great news??? - WRONG!
We bought a dishwasher form someone a few miles away - nearly new, six months guarantee etc. Guess what, broken and no guarantee. We filed a case, won our case, returned the item, hey presto the guy threatens to hit me, gets abusive in front of my partner and 5 year old, there is no way I can take the dishwasher away - and he refuses to sign to say he got it back - so he wins twice, he gets the money, all £200 and the goods. I took photos, and even a video of him threatening me and sticking a finger up.
Paypal's response ...We'll ask him if he got the machine back, if he says yes than you can have your money. Photos are not evidence.
WAKE UP PAYPAL - IF YOU ARE DEALING WITH A FRAUDSTER YOU NEED TO ACT NOT WHIMPER!
Ok I could have used a tracking delivery system, TNT wanted £165.00 to move this machine 10 miles! This is my cost. This is not buyer protection. If you have been ripped off an a large item then the fraudster needs to pay the return cost otherwise they have won.
Paypal are so busy telling us how safe and secure they are, that they don't bother to tell us that the contract is full of loopholes. The woman on the phone even said " well there is always small print in any contract you know"
One more buyer walking away form Ebay and Paypal
I think there is probably a class action we could bring against Paypal for misrepresentation and even unfair contract, but as they know full well, who is going to take this on? So I use my other consumer right - tell the story all over the internet let people know there are 100 ways Paypal will con you.
Paypal Scam - Paypal loopholes - Paypal rip-off - Paypal review of service
Paypal is a safe, easy way to send and recieve money over the internet keeping your bank details hidden from the third party. This is what Paypal and Ebay claim anyway. Since Ebay own and operate Paypal they take every oppertunity to push the service almost forcing it on you as the preffered method of payment on the hugely popular aucton site.
It does keep your bank account details hidden. - Your account details are known to Paypal who can withdraw funds directly from your account should your Paypal balace not be enough to cover any transactions.
It is also very secure - a lot of effort has been put into verifying your identity and keeping your details safe, a password entry to the site is your first line of security. They will also credit your account with a penny and ask you to verify the transaction no. to ensure you have full access to a valid account. Another security step is they will take your phone number and an automated dialer will phone you with a pin no. which you must recite back again to help verify you are the account holder.
These measures are the most comprehensive I've seen online and should ensure a secure environment for your online transactions.
It is quick and easy - After making a purchase you can have it paid for straight away and hopefully have your purchase winging it's way to you without delay. You can pay for goods or services or even send money as a gift to someone instantly
Paypal claim that you have no risk making a purchase since they will reimburse you in the event that a seller takes your money but does not deliver any goods. This is not strictly true, they will instantly reverse any charges they have taken off you and try to reverse whatever funds have gone into the sellers account however if they have no funds in their paypal account and they sever their bank account from their Paypal account then you will not get your money back. Paypal will open a dispute and a claim but they have no way of reimbursing you from the seller and they will not cover this loss to you themselves so don't fall for believing your transaction is totally safe - you can still get seen off. This happened to me once, fortunatley only for £18 but the outcome would have been the same if the amount had been more, I never saw it again and all Paypal do is leave a dispute open for years because the seller did not have any funds in his Paypal account, he withdrew eveything to his bank account then withdrew it all and closed it leaving Paypal with no means to claw it back. From what I can gather a lot of people lost similar amounts to this seller.
Personally I have a small debit account purely for online purchases which I use that only ever has a couple of hunded pounds in it at any time. I figure if anyone gets hold of my details all I will lose is £200 max.
Backing the Paypal account up with a credit card would protect you if you are seen off as it becomes the credit card companies responibility but do you risk someone getting hold of your credit card details, I'd rather not.
Customer support always there if you need it - Live help is available online with minimal delay, telephone help is also there but a spell on hold is a possibility.
Also be aware costs can add up - You are charged for everything, you have to pay a nominal amount for every transaction you make, especially if you are going through Ebay, you have to pay listing fees, relisting, selling total fees, if you are sending money the receiver has to lose a small percentage unless you send it as a gift in which case you cover the costs.
In summary Payal is a handy way to pay for goods and services if you can live with the charges and efforts have been made with security but it's not as foolproof as they would have you believe and there is still the possibility you could be seen off despite claims to the contrary.
I have had an account with PayPal for a number of years but have only really used it recently to start paying for things on eBay and accepting survey payments from the sites I'm on. I can actually tell you, first hand, that their security is 100% effective - it nearly cost me my own account!
There are 3 types of accounts. I myself have only ever used the free one, for obvious reasons, but there are two other accounts you can use that you possibly have to pay for. If you're selling then you'd probably need one of the other accounts, but it is best to have a look at them all before you decide.
I first joined up when I was a bit younger, just buying the odd thing off eBay and having to pay via PayPal, not really by choice but it was a new thing to sign up for and sign up to anything! I really don't remember how that initial process went, and they've changed everything since then anyway, so I'll skip forward 4 or 5 years to my experience a few months ago.
I decided to start up my original PayPal because I joined a couple survey sites and they paid out via that. The minimum payments were going to take a while from these first survey sites, and I knew I'd be going to eBay soon enough, but I had plenty of time to sort things out.
Or so I thought.
In September I was informed that my account was locked because 'someone' (I later found out 'I') had tried to access it with all the wrong details. Odd, because I didn't get told about this via email or anything else. So I investigated, and it turned out it was actually me who'd locked myself out - the card I had registered to the account was so old, so out of date and so totally expired, that I hadn't a clue what the numbers were in order to verify it was me logging in! My account was useless! After a LOT of digging at my mum's house, I managed to find my 6 year old bank card - probably one of the first bank cards I ever had, and I still had it! THIS was the account registered with eBay, and was the only way I could get in - they offered no alternative whatsoever, not even the option to email them or ring them up to verify myself, I had to find this card that anyone else would have thrown away years ago!
So, very very luckily, I found my old card. After that it was easy enough; fill in my details, make sure everything matched, change my account numbers!! The verification process took longer than expected - it's meant to take 2 to 3 days, but as I sorted my account on a Friday and Halifax don't like to do anything with banks on weekends, or Bank Holidays, it actually took 7 days - but pretty soon I had all limitations lifted and I could PayPal again.
Since then I've had no problems; payments have been verified via email, appeared in my PayPal within 24 hours, if not 2, and withdrawing money into my bank account couldn't be easier. I also like the £6 minimum withdrawal; it means I know I have to do a lot of work to gain the money into my account! It also seems fairer than some letting you withdraw a minimum of £1, and allows you to collect money in your PayPal for things like eBay etc, or just collect it for a big payout - it doesn't go anywhere.
I've been using it regularly for my survey sites for a couple months now, and the set-up was the only problem I had. Of course, I only have some experience with the one that allows you to pay for goods and withdraw any money deposited; there are other accounts you can get via PayPal, some with charges, and some with more benefits than this simple one. I'm happy with my account, albeit if I ever lose my card again or close that bank account and forget the numbers I don't think I'd be very happy - you're warned!!