I am sorry DD, but your statement that you are completely protected if you transact through eBay, is not quite correct.
Firstly, PayPal and eBay are, to all extents the same company and of course they wish for transactions to go through eBay as they get *double-bubble* in terms of fees.
Final Value Fees on the eBay transaction where FVF are no longer capped and have seen monumentous fee increases for the seller (hence a lot of sellers have had to increase their sale prices to cover these increased costs) and then fees on the PayPal transaction including the recently added PayPal fees on the postage element of the PayPal transaction also!!
Therefore predictably, both eBay and PayPal would recommend that you only use both their processes in any transaction.
Whilst eBay in dealing with claims will state, on occasion, that they have ruled in your favour, it is in fact PayPal (their financial arm) that has ruled in your favour. Try filing a claim where you have paid via another method and you will note the complete lack of assistance and interest on the part of eBay. As a selling portal, they have neither the clout, nor facility to provide a refund.
Therefore, after sale protection via eBay amounts to at best little at worst none. Your cover in this particular instance is 2 fold and eBay does not and would not have formed part of any protection.
1. PayPal - the payment side of this transaction was conducted via PayPal and regardless of the credit card you used for this transaction, your first port of call must be PayPal (your credit card will request that you initially contact PayPal also). PayPal have (a) charged monies to the seller for this sale and therefore have a duty of care in this transaction and (b) as the portal for the transfer of these funds on behalf of the seller, they are therefore vicarious liable and in your case, I would continue to pursue this route vigorously.
DO NOT ACCEPT THE SELLERS REQUEST TO CANCEL YOUR PAYPAL CLAIM UNDER ANY CIRCUMSTANCES.
2. Your credit card. At your first opportunity, you should contact your credit card, advise them of the circumstances and your pending claim via PayPal and your credit card will send you a claim form. If using a Mastercard/Visa CC, you have protection by quoting *Mastercard/Visa rules apply* and if necessary, quote the relevant Act number. Complete this form and return it, regardless of what stage of the process you are in with PayPal (unless of course, by then you have already received a full refund). In the meantime, advise PayPal that you have also filed with your credit card (as this usually speeds up PayPals notorious lengthy and unsubstantiated delay tactics).
If either or both, rule in your favour, you will be asked to return the goods in the same condition that they were received.
For the record, many *honest* sellers offer a far more attractive sale price when selling directly, rather than via the eBay portal as they are able to pass on some or all of the savings to the potential buyer.
Sales via this process happen frequently where a buyer has contacted a seller asking for the best possible price on an item. I personally offer reduced sale prices using this method and it is a buyers perogative whether or not they wish to pay the increased sale price to cover the extortionate eBay fees but have none existent eBay cover in the case of a sale or save themselves monies in order to transact outside of eBay, but still with the protection of either/both PayPal and their credit card.
Where these options are somewhat irrelevant is in the case of Hermès Birkin and Kelly sales where many sellers who have had less than delightful experiences with dishonest buyers has resulted in many a seller (including myself) accepting only bank and international bank transfers .... yes a sale is a two-way transaction and not all buyers are as honest as they protest to be.
Stories where a buyer has played a bait and switch scam (returning a counterfeit item in place of its original authentic item), remorseful buyers returning items because they didn't meet the buyers expectations in terms of colour, size, matching their present wardrobe, quite what they were looking for, buyers returning an empty box and keeping the contents but by showing PayPal and their CC that they have tracking details for the shipment, using a brand new bag to go out and impress their friends only to return it claiming it was damaged on arrival, are not all urban myths, but events that have occured and have left sellers with less than a fuzzy feeling about all buyers.
On these type of high end transactions, my advice is to know your seller, check they have a history for only authentic goods. Whilst every seller has to start somewhere, a seller jumping out of the sky with an authentic Hermès Birkin at a knock down price because they got it as a gift, their cheating boyfriend bought it for them, their aunty passed it down, they woke up and found it on their pillow are all, of course, red flags to any potential buyer with a jot of common sense.
Ask for as many pictures on various aspects of the bag that ensures you a level of comfort in the true condition of the item. Many sellers are also buyers themselves and have learned to manage *realistic expectations*. If the item you are buying is vintage, don't expect it to be pristine as if it had just rolled off the craftsmans bench. Where any item is pre-owned, it is exactly that; it will have been used, carried by the user in the real World and may have imperfections.
Ask the seller to confirm that they actually have the bag in their possession; this is imperative as many a buyer on this forum has had issues where they have bought a bag from a seller who has not even had sight of the item they are selling and is using pictures provided by the owner of the bag, who for all anyone knows, continues to use the item whilst awaiting a sale and therefore reducing the condition during this period.
A seller has a duty to ensure that the item they are sending a buyer is in fact authentic and is in the condition it is described (noting condition can be subjective). In the case where the seller has not even seen the goods and is merely acting as an expensive advertising portal, you have no assurance of either authenticity or condition.
Ask the seller at the time if they have a return policy and if so, under what conditions. If they do not (see para 14 above), you need to feel sure that you are comfortable with the sale and the goods prior to purchase.
I sincerely wish you luck in your claim and hope my suggestions are of some help.