Here's a snippy and slightly snooty little email I sent to paypal. It's difficult getting in touch with them this way because - as seems typical with those who deal with money - they'd rather you contacted them with a formula email where they control what you're allowed to talk to them about. Anyway, let's see how it goes from here. I start off pointing out that I already understand why they send out reminders. But what's the betting that the boilerplate response will simply echo this anyway?