Hi Alan, I came across this problem a few weeks ago. I did a fair amount of research, even tried telephoning PayPal - but that didn't work. As I wanted to continue to use PayPal from time to time I decided that some how I would have to comply with their conditions. Eventually I found an old bank account which I hardly ever use, and gave PayPal the authority to use a direct debit to that account - the process of doing that involved talking to the bank's customer call centre in India who stuffed things up for me - but that's another story. The big thing, as far as I am concerned is that when making a payment using PayPal, they want you to use the direct debit route, but there is an option (in small print) to switch the payment to your credit card. I have used this route several times now and it seems to work. Alan, If you want more details contact me off list. Cheers, Roger Mason, in St. Agnes, where we haven't seen any whiteness over the holidays. MODEL ENGINEERING DISCUSSION LIST. To UNSUBSCRIBE from this list, send a blank email to, modeleng-request@xxxxxxxxxxxxx with the word "unsubscribe" in the subject line.