FIDReC can only accept disputes involving incidents or omissions that occurred on or after 16 December 2024, as required by Rule 4.1(vi) of the FIDReC Terms of Reference.
To avoid a technical rejection, you must base your complaint on a qualifying recent incident or an ongoing omission by PayPal. This is usually the latest message where PayPal describes the 180-day hold or how you will withdraw your balance.
Use that communication as your incident date and attach it as Exhibit A.
Singapore (Asia/LATAM) Guide: Recover Funds Deducted by PayPal as "AUP Damages" or "Loss Recovery"
Note: Older accounts may show the memo "PayPal's damages caused by Acceptable Use Policy violation" instead of "PayPal Loss Recovery" — both are the same type of deduction. If you are in LATAM but contracted with PayPal Singapore, this guide's FIDReC and MAS arguments also apply to your situation.
Video Overview
Short video summary of the Singapore (FIDReC-focused) guide
Slide version (brief summary)
This slide deck is a very short visual summary of the key points. The full and authoritative version of this guide is the text below, which contains the complete legal analysis, arguments, and references.
Focused on penalty clause (Dunlop & Denka) and lack of proof. Written so a normal person can follow it step by step. This guide is designed to help affected users recover their funds by following a documented, defensible process.
Scope of use: The arguments and templates in this guide are designed to be used in mediation, FIDReC adjudication, MAS complaints, and, where applicable, Singapore court litigation. The core theory (penalty clause under Dunlop & Denka / lack of proof of damages) is the same across these forums; only the procedure changes.
This guide is for general informational purposes only and does not constitute legal advice. Every case depends on its specific facts, evidence, and jurisdiction.
Still have questions about the 180-day timeline or the FIDReC process? Read the PayPal Seizure FAQ.