Why are PayPal holding my money for 21 days, right everyone if you buy an item off eBay and once received it say it was defective not as describe or something along those lines to the person who sold it, then tell the person you bought it from that this is the case which makes them aware you want a refund, then when your asked to post the item back tell them your not unless they want it posted it back they'll have to pay for postage, insurance, with the most expensive mail company obviously they are going to dispute this and refuse a refund so you'll take it to eBay and open a case explaining they said your not having a refund eBay will automatically refund you from their PayPal accounts which then means you have an item plus a refund, this happened to myself and when I contacted eBay they told me this is theft and to contact the police once I contacted the police they told me its a civil matter (lot of solicitor fees) so I'm left without the item and not paid. Now I've sold a iPhone 4s factory sealed (after 3 attempts due to ppl not being able to afford after they won the item) the buyer is obviously going to open it and play with it and if within 21 says he's not happy PayPal will automatically refund him so as a seller wheres my protection. It's completely wrong and anyone who can shed light on this will be very much appreciated.
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