I also use to receive emails asking me were is their payment? I don't even know what they were talking about.. but anyway I use to keep money in paypal account but not anymore just for the reason you mentioned here!
It is a lot safer to pay from your bank account and not having money in a paypal account, you do not have to leave money in there! they try to tell you that you have to but you don't.
__________________ Rip  Tilly girl |