This is a feedback to all, mainly to inform all the online user beware of the procedure involved when using Paypal.
1. eBay and PayPal are in different states, local ( your own state ) small claim court cannot protect the buyer. PayPal admit that the protection to the customers is limited unless you're using PayPal credit card. They are familiar with the problems involved and yet this is part of their business model. So although PayPal is doing the service as a middle guy, they're only protecting the user with the min $200+ dollars when the buyer is having a $550+ transaction.
Anytime the buyer is trying to have a private way to deal with the seller, e.g. when there is a mail lost, or the item is not the right one, etc. PayPal would be hands off.
So, in a way, when some are suggesting that you should rely on the buyer to do the refund, be careful. The consequence can be good, or it can be bad. If you know the seller well maybe it's a good idea to min the hessle. Unfortunately it's my first deal with the seller.
Also, the police report has to be done within 10 days, and Paypal is counting Saterday and Sunday as workdays, most local policy report cannot be generated within 10 days for release provide that they have to store it at the database first before they can release, so check with your local police dept in case you're in need. For my case, it's sepecial, some friends in police dept. So IF you plan to start the procedure start the police report right the way, if you do not have enought time make sure you talk to PayPal MANAGER, they MAY be able to give you extention.
For my case, the seller is doing the refund 100% but the time it takes was long, PayPal was not in control when the time frame they made for the seller was over, it is up to the seller how fast he wants to react. Basically when the procedure cannot protect, it's back to the seller when he can return the money.
The fact is, PayPal would leave us time to settle it, but when there is no settlement, PayPal would ask both of us to follow the procedure to verify if the buyer get the item, police report etc. Again, if the seller walks away, PayPal would only pay for the min, they don't really have the resource to get you back the money right the way.
When we use PayPal (not Paypal credit card), our own credit card cannot help us too much anymore.
The seller can buy insurance at eBay, and it would show up saying that the seller is buy insurance for the item, but it is up to the seller.
Yes, your own credit card can protect you better.
There are 2 dept's within Paypal that has handled my case, the customer service, and the dispute dept. When the dispute dept said that the seller is not willing to give me back the refund and forget it (it takes more than a moth for the procedure) the customer service fianlly talked to me that the seller is doing the refund.
Unlike what some of the people here saying, the seller told me that although he preferred to work offline, it's up to me for filing the police report as suggested by PayPal, it's ok for him.
Unlike some of the users here saying that I am guessing, nop, I check with OTS and find out who brought the product from them and to make sure that the seller does have the item.
I noticed that the seller has improved his way to deal with postage and it's good for him!
I did get back my money.
If you use eBay, please consider to use your own credit card!!!