paypal
paypal does NOT side with seller or buyer if it is not an Ebay transaction and seller can prove that something was mailed. e.g., if i sell you a stereo and you pay by PayPal and I mail you a dead cat in a box with delivery confirmation, that's good enough for them.
ONLY if it's Ebay do they get involved. I have contacted credit card and been told what I need to do. Better question is how can I punish this jerk? Maybe ruin his Ebay repuation. Muh-a-hah-hah-hah
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