Let me make this a little more straightforward. I send money to a person who I am interested in buying an item from. I only have some of the money, so I send one part as a deposit and then send the rest later. Seller informs me they cannot deliver item. First deposit is refunded. Second one is attempted to be refunded twice, but each time the bank says there's not enough balance in the account for the money to be refunded. Money is still not there.
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