for me i just withdraw all teh money from my premier account. once i received it in my atm i just immediately close my premier and opened a new this time a personal account. i used the same email address to open a new account. so basically i closed the same paypal account and then open it again with the same email for paypal. of course i verified it again. after that no more problem with my paypal account. i don 't have any more charges.