I'm 26 now, almost 27. I think it was the "We'll contact you within 180 days" thing that pissed me off the most, because it's just such a crap, random number that I likely agreed to in their ToS.

As a partial update, after spending 30 minutes clicking every page of the dashboard, it was obvious that money was stuck, and my friend couldn't dispute it as it was sent as a gift, as it wasn't payment for work. Luckily, if you head back to your settings and flick back to the old web UI whilst it's still available, the refund button shows up in the view transaction details page, and it let me refund it. I lost the £20 or so in fees, but at least I can pay some unexpected bills more easily now.