I also joined in June 1998.
I had an issue recently where the buyer filed a non-delivery claim a couple days after the auction ended. I issued a refund. A couple days later he said he received the card, then stopped responding to my messages and never paid for the card. It was less than $40, but I was still pissed. I called the Ebay Concierge Service and they said there was no recourse with the buyer since I issued a refund, but they gave me a $75 credit to cover my trouble. I definitely recommend signing up for the Concierge Service if you get selected. They immediately made things right the two times I've called them.
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