Their fees aren't your problem. Not all ebay sales are as is, either, and things like marks on the creed are to be disclosed in the auction. I'm sorry you didn't pay via cc on paypal instead; can you still file a claim? I would think you have pretty strong grounds for a SNAD claim. I recently went through something similar where an ebay seller did not disclose a Nordie's final sale rivet on the creed. What a PITA!