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The best way to cook their goose and bypass all of this rot is to file a complaint with the Banking Ombudsman. It is quick and easy to do online and I guarantee that within 24hours of you doing that PP will mysteriously 'open' your account again.Link is here:http://forms.fos.org.au/OnlineDisputeIgnore all of the guff on the form that says "have you tried to resolve this issue with your service provider" - trust me, the BDSO is VERY much aware of the shady practices that PP get up to.If for no other reason than raising awareness of these problems you should file a complaint because the more that do - the faster these con artists will be brought into line!It's your call Brett...PS My wife refused to believe me about just how shifty PP are until recently when a buyer of hers claimed 'item not received' simply because he could under PP rules so they took the $150 from her. She was livid and filed with the BFSO and PP gave her the $150 within 24hours as an 'ex gratia' payment!!! It does work.