paypal does not offer any protection at all, because it is like getting blood out of a stone getting money out of them - so how is that an advantage? my story started on 29th September with an ebay bid, 7 days for the thing to arrive, 5minutes to discover it was useless, one day to send it back. 8th October, now it is 8th November, and 50emails, 3phone calls, hours copying/collating/emailling sundry documents to various destinations- the cost of returning the item has to be claimed back from someone else, not paypal. Eventually, 2days before the 45days is up, they say they cannot accept email attachments as proof of payment/delivery/whatever.. Now I see that maybe I have 'won the case', I see a partial refund on one part of the paypal account pages, but still ZERO when it comes to my balance!!!! It is like knitting porridge trying to understand what to do - and one other point. I live in France, but I would like to conduct my dealings in English - but I cannot, so an extra complication trying to figure out what they are saying. I can get by everyday situations in French, but not these convoluted situations. I just want my money back - and these spurious 'guarantees' are absolutely no use whatsoever because they make you jump through so many hoops, no doubt wanting you to give up rather than battle on....You might gather that I am incandescent with rage at seeing paypal trying to say 'buy with confidence' The only thing you can be confident of is that paypal will make life so difficult for you, you have a heart attack.
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