Paypal and Direct Debits

What have you spent your morning doing Gab?  That would be removing over 60 direct debits set up in paypal since 2008.

Last week Pluralsight from whom I bought a 1 year license in 2018 went ahead without notice and charged me £199 for “another year” because I hadn’t checked the box to disable their auto renewal buried under my account details.  Strange they can email me multiple times a week with marketing promotions and telling me about courses but apparently can’t email me to tell me they will be charging me another year on X date and that I need to disable auto renew if I don’t want them to.  Even if I clearly haven’t logged in for months.

Lesson learned.  I cancelled the auto renewal, swallowed the cost and won’t ever use them again.

Today there was a charge from AVG Commerce for £99.99.  I haven’t used AVG in years having switched to BitDefender. The last charge was several years ago.  Apparently they just suddenly decided to charge me 2 year’s renewal for a product that had long expired, again because the auto renew was left on the account and because paypal had them as a direct debit.   The last charge was in July 2016 and this one was April 2019 so not even a renewal date.  At least AVG (who have multiple complaints of this behaviour on their site) offer a 30 day refund which I have applied for.  Luckily I could do that without logging in since their login is now a Salesforce login and no account details I have work.

I often use Paypal to pay for things because I would rather not share my credit card with every site but of course the downside is that Paypal won’t dispute a payment like that whereas my credit card company wouild.  So in I go to Paypal to deactivate all the direct debits that are on my account.

There were over 60.  Many times when I paid for anything with Paypal , even a one off thing like a game or theatre tickets it set itself up without telling me as a direct debit.  That means Paypal would have allowed that source to take payment anytime it wanted without notifying me until it was done.  Wordpress and GoDaddy were particularly egregious with multiple direct debits, one for every payment I ever made and all had to be deleted.

None of this would be an issue if Paypal would notify me when someone applied to withdraw money via direct debit or if they had a limit by date or expiry on how long the direct debit was valid, or even if they didn’t bury the direct debits far away from my home page.

I recommend if you use Paypal you go in and deactivate the direct debits you might unwittingly have in place.

Login to Paypal – choose “Settings” (the cog) and choose “Payments” then “Manage Pre-Approved Payments” – go ahead and cancel whatever you need.  I went from 72 to 5.