Well having her auction pulled sounds bad. But at the same time...if she sends you an invoice through paypal and in the description she describes what she's selling to you, you're still protected as if you were buying right off of ebay. And yes, pay with your credit card that way you're protected both ways. But if you personally don't feel too comfortable, then just don't go through with the transaction! Peace of mind is very important. Just thought I'd share some info.