[RnMomof7]

I have had a couple of purchases go bad.. the sellers were both banned shortly AFTER I made a purchase.

The ebay resolution center is USELESS I have found Paypal to really work to get your money back, but I went to them too late the last time and so the last problem left me $100 in the hole..and I am very angry

[Styria]

You should always pay Paypal using your credit card, even if you've confirmed your account with an existing bank account. Your credit card company will take the full amount of your charge back from Paypal itself over a problem purchase (false charge, failure to deliver, item not as described, etc.), regardless of Paypal only being willing to refund someone up to $200, and leave Paypal with the problem of getting money back from the scammers.

I haven't had to do this myself, but it's what's recommended by many on photography forums; used photography equipment is easily several hundred to thousands of dollars.