Made a complaint to FOS about paypal. Just got a reply. Seems like the adjudicator's provisional conclusions. He's found paypal had done no wrong.
Here's what it says on the bottom of his email:
Notice the change in font size, when it says "But If you don't agree with what I’ve said, please let me know why by 6 February 2017. I’ll look at any new information you give me and let you know what I think."
I had to really strain my eyes to read this.
Surely this is a nudge tactic by the FOS to close-off complaints.