I know of this happening several times and it sent one business to the wall. Several others have had this happen to them.
It is like fighting the CIA.
when you fill out the complaint with the ombudsman it changes slightly.

Paymate or an online payment facility is the only way around it.

Check you DSR as that is more often the trigger.

you may also like to look at a website paypalsucks.com

you will find it interesting.