When paypal is good it is very very good, when paypal is bad it is very very bad!
Paypal is like the little girl, when it is good it is very very good but when it is bad it is very very bad!
Years ago I moved and no longer could access the e-mail account that was tied to paypal. My first discovery is that it is easier to contact the US president, China's Hu and the Dali Lama and get them all on a conference call with you at the same time than it is to contact any human being at paypal. Then service is totally nonexistent. They are as understanding and cooperative as an exwife when she and the divorce payment are both three months overdue.
They told me they would send a form in the mail. They didn't. I tried creating new accounts. My credit cards and bank account couldn't be used because they were already attached to another account, my old one that I couldn't access! After a month or two I realized that I was licked and gave up on paypal. Folks tended to think I was giving them a ration of BS when I told them my paypal account was in a mess and I couldn't do a thing about it but that was just the way it was.
Finally a year or two later I had a new street address, a new bank account, a new credit card, and a new e-mail. I created a new paypal account and it has pretty much worked like clockwork. However I am well aware that paypal is there for one reason only and that is to make money. Anything they claim is every bit as sincere and accurate as the used car dealer or the local politician running for election.
I'll never send a penny based on paypal guarantees, they are meaningless. Also if paypal does foul up, you are the one hung out to dry. Individuals can't enforce lopsided contracts that hugely favor one party and there is no option but to sign if you need to do business with someone. Large entities can and do every day.
Hu