You may not have ever had any problems with paypal... however... they are not currently governed by UK banking laws, so if you do have any problems it is entirely up to paypal how they treat you and your money... which could mean through no fault of your own, they may take money from you, or freeze your account, leaving you out of pockets for hundreds of pounds...
So please sign this petition asking for them to be regulated by UK banking laws:
Petition to: Enforce UK Banking Regulations For UK Paypal Customers.
Thanks
Josh