Paypal disputes

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When you buy an item on ebay using Paypal, don't automatically think that your money is safe - it isn't.
I bought an item from an ebay seller - it didn't arrive.
A week after making payment I received word that he had been 'chopped' from ebay.
So I wait another week for my goods - no show, so contact Paypal for a refund.
That's when you discover the fine print.
It costs you $25 to make a claim.  That is whether you win or lose.
If they can't recover your money - you lose both your money and the $25.
That's really useful insurance
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