PAY PAL RIP OFF

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Is it just me or is Paypal the biggest financial rip off ever?  They have the total monopoly for ebay users.  Their paypal protection only works for buyers and NOT sellers.  Even if you pay for recorded delivery you still are not covered for loss.  If you open a new account they keep hold of your funds between 90 and 180 days.  If you need to call them they charge you international phone rates.  If you write to complain you never get an answer and when you query this they tell you there is no guaranteed time for a reply.

Can I complain to the financial ombudsmen or are there any other alternative ways to complain as I am at the end of my tether with this pack of crooks
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