Thank you for your reply.
That is what I thought, however I received this message from PayPal themselves.
On PayPal login page, “Pay with a debit or credit card” panel is open as default.
Solution: do NOT set landing page = “billing”. Leave it as blank.
I have tried a few things but I thought that the product may have created an area of code I need to change or perhaps you may have an idea.
Thanks