In the UK, PayPal can take what they want from my bank account, BUT I can just say "Reverse that" and it is done instantly, no questions asked (I might still be on the hook for legitimate transactions, but I'm not responsible for fraudulent ones).
(Case in point - a company I'd never heard of set up a Direct Debit on my account, and I didn't notice for about 6 months. One call to my bank, and I had the money back immediately.)
It's part of the Direct Debit guarantee:
> If an error is made in the payment of your Direct Debit, by the organisation or your bank or building society, you are entitled to a full and immediate refund of the amount paid from your bank or building society
> If you receive a refund you are not entitled to, you must pay it back when the organisation asks you to
(Case in point - a company I'd never heard of set up a Direct Debit on my account, and I didn't notice for about 6 months. One call to my bank, and I had the money back immediately.)
It's part of the Direct Debit guarantee:
> If an error is made in the payment of your Direct Debit, by the organisation or your bank or building society, you are entitled to a full and immediate refund of the amount paid from your bank or building society
> If you receive a refund you are not entitled to, you must pay it back when the organisation asks you to
https://www.directdebit.co.uk/DirectDebitExplained/pages/dir...