It does work for most people most of the time screenman but I can understand to some extent BigTam's frustration. I sold car tyres on eBay, I live in France and the buyer was in the uk so couldn't exactly pop round and pick them up. I arranged to have them delivered to him but then the delivery company said they would be delayed by a week. I gave the buyer the option of waiting or I would return the money he sent by PayPal. He didn't want to wait so I returned the full amount I had received through PayPal. He took the money then made a complaint to PayPal who then took the full amount again out of my account. PayPal were good and returned my money the day I phoned them as they could see I had already returned the guys money but I didn't want to wait 28 days.