A seller can only issue a refund via funds in their paypal balance or an echeque. So if its an echeque it has to clear through to the sellers paypal account and then it is credited to you and the hold lifted. This is because paypal don't "refund in advance" like they do when you pay for an item and they credit the seller whilst they wait for your funds to reach them from your funding source. The clearance date is an estimate as differing banks have differing transfer times. Also it is still the 10th until midnight tonight.
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