Hi - this is driving me nuts. I've got an xbox one and games with gold subscription. I'm trying to "purchase" free games and keep getting this error - You have no valid payment options on file. - when I've got both credit card and paypal accounts setup. There's a change payment options link which takes me to this page - https://live.xbox.com/en-US/account/billingaccountinformation 

This is a US page which errors if I try to complete details. I get the same result through console or windows. 

I've tried the xbox ambassadors and am getting nowhere .... any assistance gratefully received. 

Cheers