After 16 years of using PayPal with no disputes, no charge backs they simply placed my account on permanent restriction i.e I can not use it. Long story but basically a call center agent decided I was "money laundering" during a call with them. Within 45 minutes my account was disabled, all messages in my message center deleted and all transactions older then about 4 weeks deleted. I used PayPal to buy and sell on Ebay. My buyers could not pay me, I could not Pay Sellers for Items I had baught (Chineese suppliers only accept PayPal) i was due refunds that could not be processed. 16 Years of Trading on Ebay with immaculate ratings instantly destroyed.Could not complete jobs i do for work as i buy parts from China and most of my suppliers only accept PayPal so my work finished. I had rudeness and arrogance from PayPal call center agents, my complaint to PayPal was dealt with in a record 45 minutes within one hour my appeal was also rejected and within 24 hours without any further discussion with me PayPal issued me their final written response to my complaint. Was this rely Investigated ? Its all been just one big nightmare and it Looks like PayPal do not feel that they need to comply with FCA Rules. just my experience.