My situation with paypal

Hoping one of you can help! I rarely use paypal, but in the off-chance I do I will sell currency I've made on games (specifically dofus) - Note that I am 16, in the UK.
Well, as I'm in education and dont have a part time I make a shifty wage from making a lot of kamas on the game and selling it, it was all going fine until a certain user after receiving the kamas decided to chargeback (I had spent the money on CSGO so had around £1 to my name before that anyway) I disputed it and provided all the proof - conversations etc... Annnnnnnnnnnnd he won the claim, amazing!
Well, this put me at £-60 and today I got a call from paypal asking me to add the funds in (I never added my bank card as I don't have one) my dad was watching over me and seemed furious so I couldn't really fight my cause - I was just replying with okay, I understand etc...
I could just sell more kamas which now I'm sceptical about, however, she specifically said to add a card to add funds, which is out of my control. I have no idea what to do, my address is the same, like my number which is how she rang, I never knew this would happen, any help ?

 

You don't need to add a card, just make sure that your balance is cleared at 0 or above. When you sell stuff for Paypal, ask people to forward you the receipt of their purchase and make sure it comes from the same email that is registered to the Paypal account. There are many more ways to prevent chargebacks, but for your question, no you do not need to add a card.

 

Thanks! That's one situation thats a relief, but what happens if I don't end up paying?

 

I'm not 100% sure, but I'm pretty sure they sell your debt to a collections agency which will increase in price and destroy your credit score. I'm not sure about that if you're under 18, though, because you aren't allowed to have collections before you're 18. It might affect your parent's credit score, I'd talk to a lawyer about it.