Buying without Visa/mastercard or PayPal protection

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I bought a strimmer which emanated from a firm based in Germany. It wasn't clear that payment had to be made directly into their bank account. This shouldn't be allowed by Ebay as it would be impossible to get your money back if the goods don't arrive, additionally and perhaps even more dangerous, is that the seller has all your bank details, name of account, bank name, sort code and account number. In my cxase I got the strimmer but it took me time to do some checks before I sent the money and in that time EBay gave me a bad strike even though I paid as the seller had put a case of nopayment against me evn though I was in a costly contact with them as their phone number was a premium rate line!!!
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