How to correctly split payments on the PayPal Credit

[MrTomAsh]

Hi!

I have a PayPal credit and currently, I have two active offers on it (which is my whole debt). 

Note: Numbers aren't 100% accurate as it's just an example of what's wrong.

Both were taken at a similar time, but one was a 24-month contract for about £1500 (with some interest) and the other was only about £150 with no interest if paid within 4 months. Monthly I was paying off more than £200. After 4 months my £1500 went down to about £700 left to pay and the £150 has been untouched by my payments. Now PayPal threatens me that they will charge me with interest for the second offer as I haven't paid it off in time... But I have no control over what's being paid off! So to avoid interest from the 4 monthly offer do I have to pay off the 24-month offer first? That doesn't make any sense at all! I've tried to contact PayPal Customer Service but without any luck! I'm lost and seems that the only way to avoid fees is to pay £850 this month... 

Any help with that matter will be much appreciated as it doesn't make any sense to me why:
- longer offer isn't paid off approximately to what's necessary and shorter offers aren't paid off first

- or at least why my payments aren't split evenly between offers

- everything goes to the offer that still has 1,5 years to be paid off and it's at least 6 months in advance of what it should be...

Thanks,

Thomas 

[PayPal_Ayesha]

Hello @MrTomAsh,

Welcome to PayPal Community Forum and thank you for posting!

I understand your concern about the PayPal Credit Split payment, and I will quickly run through this with you. I know the times are difficult and we would like to support you to the best of our capabilities. This issue is account specified in this case, you will need to contact our PayPal Credit Team so that our representative can look into your account and help you with the best to sort this issue and also clarify how the offer on PayPal credit works and explain you about the rate of interest. You can reach out to the number found at the bottom of this FAQ in the answer to the last question.

Good Luck,
Ayesha