Re: Direct debit
PayPal can take money from your account via direct debit
Not from mine, they can't. A few years ago I made quite a lot of purchases on EBay, so I had to pay via PayPal, whom I in turn paid by credit card. After a few weeks I got an email from PayPal saying "You've spent over x. If you want to continue using PayPal you will have to let us suck money directly from your bank account via Direct Debit", possibly the only case I've encountered where a good customer gets a worse deal.
Naturally I declined, and ever since then I've been unable to use PayPal for purchases. Occasionally they even refuse my credit card when they're just acting as a card handler (in the same way as WorldPay, for example).