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https://www.moneysavingexpert.com/credit-cards/PayPal-Section75/
Apparently not clearcut if you're just using them as a payment gateway.
I'd guess different if it's money sitting in a paypal wallet (though guess that's not credit...)
Does anyone have a contact email for paypal about their duties under section 75 of the consumer credit act? Has anyone tried to get paypal to accept this duty?