Sadly, was scammed out of £400. A strange chargeback fee appeared on my account one day and no matter how many times I asked PayPal to look into it as this was fraudulent and suspicious, they instead threatened to chase me with a collections agency to top up my negative balance of £400. This is half of my income right now during a cost of living crisis and I am skipping meals. But I guess forking over £400 that I don’t have is a priority for something I didn’t authorise. I will no longer use this service.