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Posted By: Mike Navarro

Boxingcardman,

While I agree with your logic on how it should be in a Utopian environment, that is NOT the case on ebay/paypal. The seller has a responsibility to get the item to their buyer in the condition it was auctioned and advertised in if they received paypal as payment. They are "contracting" a different set of rules when they agree to use ebay/paypal. Might those rules be court enforceable, or would other laws such as the UCC prevail? Perhaps, or perhaps not, but on relatively small transactions, it would not be worth the hassle or costs involved to find out for most sellers.

The seller apparently played the "I'll make the insurance optional so perhaps the potential buyer will see a lower overall cost and bid on my auction instead of my competition's auction" and they lost. Paypal will make the buyer whole in a paypal transaction. (yes, I realize we don't know if the original poster paid with paypal or not)

Mike