Hi all... Those of you from the LV forum may have heard about my incident, and before I continue I will make a short timeline going over some events before I ask my question. October 4th - paid for items on eBay October 6th - filed dispute, because seller was no longer a registered user on eBay and lost contact and I freaked out. Afterwards, she said she'd ship my items but never got around doing it... October 20th - escalated dispute to claim, by this time, seller has lost contact with me totally October 29th - seller never responded to Paypal, my claim was granted and I was credited $175 US Nov 6th - I called my CC company to try to cover the other $140 I was in loss of. Nov 23th - chargeback was initiated by Visa, I was credited the full amount of $315 so I had a $175 extra from Paypal Sometime in Jan - CC company called and said chargeback was declined because Paypal said they already credited me the $175 under the standard buyer protection. THe person I spoke with at Visa said "To recover the rest you'll have to actually go to the original merchant" (referring to the eBay seller...but we've lost contact way before I filed a chargeback) Recently...I was able to contact the seller again (many coincidences...) and she claims she sent a money order to Paypal for the full $315 to cover my purchase on November 22 after Paypal sent her an email telling her that in order to reinstate her account, she needs to send Paypal the money, and apparently she spoke with people from Paypal as well. (I have copies of the email and her money order receipt). I have received NOTHING else from Paypal...other than the $175 they credited me through their buyer protection...so I'm wondering, do they usually take that long to process a money order? Or, have they probably kept the $315 from the seller and since the case was closed and I was refunded some of my money (hence the chargeback was declined), they won't give me my money back? The thing is, I was notified that my chargeback was declined in early January...wouldn't the money order be processed by then...? If they received the funds, why are they refusing to give me my money back? The seller did not use her credit card because she didn't have enough credit on it, and I'm not sure why she didn't pay with her Bank account, but she did send me the receipt of the money order. Any help would be appreciated. I emailed Paypal a few days ago and haven't heard from them yet.