Not to go too OT but I thought I would throw in this little side note about PayPal and Credit Card Refunds.
You must file a complaint with PayPal and they must attempt to recover your funds BEFORE you file a charge back with your credit card company. You have 30 days from the time of purchase with PayPal to file a complaint and 60 days from the purchase date to file a charge back with your credit card.
If a charge back occurs from your credit card company and you didn't file a complaint with PayPal, PayPal has the right to take the amount for the charge back out of your checking account. Therefore, you are still screwed out of the money.
My example - I purchase a furniture set on ebay for $1600 from a furniture store located in TN. Paid with credit card via PayPal. Seller quoted 3-4 weeks for delivery, which seemed fair since most furniture stores take this long to deliver. Three weeks go by and nothing. After contacting the seller, she stated that there had been a fire and for the inconvinence I could choose a table set and everything would be shipped within the next week or so.
About two weeks go by and I get nothing. I contact PayPal and they tell me my 30 days are up and they really cannot do anything. So I tell them that I am going to get a charge back from my CC and the PayPal customer service person flat out tells me that if I do so, that they can go in and take the charge back amount out of my checking account. Therefore, I am still out my cash and PayPal loses nothing.
In the end, I got my money back via a charge back (I had all emails between me and the seller, and all other documentation. They charged it back ASAP). I got a nasty letter from PayPal stating that according to their TOS, I went ahead and got a charge back without going through the proper steps. However, they didn't take the money back. The seller is screwed. She F'd over a lot of people and since she was selling across state boundaries the FBI was required to get involved.
I would suggest that if anyone is using PayPal on a regular basis to open up a free checking account with only a minimal amount of cash in it and use that account strictly for PayPal.
later,
Chris