Looks like my wallet is encrypted after all but I didn't actually click the encryption option in the menu, I locked it and unlocked it again so I could stake but that is a different thing is it not? Maybe I don't really understand this but I found it quite confusing anyway.

Also all my Pandacoin's that I have so far I traded through an exchange but I have been promoting the coin to friends and family so wanted to test the pay through Paypal option and yesterday purchased 146,179.83 PND almost dead on 24 hours from writing this post and the funds have yet to show up in my wallet. Also just a note on that, the buypnd.com site says "if you are experiencing any delay please email us" yet I searched the whole site I could not find an email address any where and I also searched the main pandacoinpnd.org site and could not find an email address there either. I think this is a bit confusing.