Safe buying

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Hi I am a 69 year old pensioner trying to live on a low pension so when I want something I could not afford in the shops I use Ebay , my first transaction was as smooth as silk, I am on a long holiday in Iceland and hope to live here someday so I can not go to my bank in Spain, to buy on ebay I have to use bankers draft, as I live on my plastic card there is not always money to spare for items I want fine! but the second transaction has gone terribly wrong the item I won got broken by the seller(or so the seller said nod nod wink wink) the item would cost new probably in excess of £1000 my winning bid was a quarter of that great I thought I had got a great deal, a few days after I had sent the cheque registered post tracked and traced to the address, the seller did not want to send the stopped cheque back to me flatly refused so I can not get the money from the bank until they see the cheque and if I get it back  the bank will take £10 for the failed transaction so how do you combat that, I have contacted the seller several times I have been very polite and correct in my dealings with her and still get answers in a very uncivilised manner,I did not want to have all this worry and time wasted hoping for a solution by putting it in dispute10 days lost and still I am looking for a computer on ebay wondering if I might be dealing with another scytso, with %100 feedback( probably got from so how safe do I feel at this moment not very safe,what if I win another good bargain there is no way that you can be certain the seller wont welch on the deal,I write this to make good people aware that to trust in the feedback can be foolhardy you could be dealing with Ali BaBa
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