PayPal Are Breaching Their Own Terms and Conditions!!! We have had an issue with PayPal where they have been holding money for 180 days and this has gone on for 5 years where they say they will release the funds after 180 days and then simply add 180 days more saying it is to protect themselves against chargebacks. We thought this was absurd to put it mildly how can there be a chargeback after 5 years when we never had issues in the 10+ years we used the account? We asked PayPal to agree to ADR (Alternative Dispute Resolution) they have ignored the request then when looking at the web we found a Private Investigation agency is looking into PayPal the posting on the invetigators site said "PayPal in Canada Breaching their own terms and conditions relating to alternative dispute resolution" we spoke to them and they suggested writing to PayPal in Toronto so we sent a letter with signature on delivery but have heard nothing. Below is what appears in their terms and conditions as the investigator says they are breaching their own T&C's we have all the proof if PayPal contact us but we are not holding our breath! "6. Disputes If a dispute arises between you and PayPal, our goal is to learn about and address your concerns. If we are unable to address your concerns to your satisfaction, we will seek to provide you with a neutral and cost-effective means of resolving the dispute quickly. Disputes between you and PayPal regarding the Service may be reported to Customer Service. Please click here for Customer Service. A party requesting relief may elect to resolve a claim (excluding claims for injunctive or other equitable relief) in a cost-effective manner through binding non-appearance-based arbitration if the total amount of the award sought is less than $10,000.00 CAD. A party electing arbitration will do so through an established alternative dispute resolution ("ADR") provider mutually agreed upon by the parties. The ADR provider and the parties must comply with the following rules: (i) the arbitration shall be conducted by telephone, online and/or be solely based on written submissions, with the specific manner to be chosen by the party initiating the arbitration; (ii) the arbitration shall not involve any personal appearance by the parties or witnesses unless otherwise mutually agreed by the parties; and (iii) any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction."