i had sold my first mobile phone on ebay for some extra pocket money to help with student expenses. However, things turned out very bad and distressing. to begin, i sold a iphone on ebay and the buyer paid with paypal.very soon after i received an email from him asking for him to collect the item which was at the time unusual. However,after reviewing his profile i realized he had a number of recent feedbacks, which were dating back 2 weeks from my sale date all of which were positives with comments all along the lines of buyer collecting the item and them not having any problems etc. in addition, considering i had spent a while to build the positive feedback over the years on ebay i did not want to receive a negative for declining the buyers request. so i agreed and allowed the buyer to collect the item, which he then did the very next day and all seemed normal at the time of the exchange however, some days later i receive an email from ebay which stated that the listing was removed because; the item was a unauthorized purchase. i quickly noticed that the buyers feedback which had initially assured me of any doubts had quickly disappeared of his profile. soon after a case commenced on paypal for a unauthorized payment. at this moment in time i spent continuous hours speaking to paypal and ebay. who advised me to report the matter to the police via a webpage called action fraud , who then having taken my account of the events had provided me with a crime reference number and assuring me that they will look into this matter. i then quoted the crime reference in the ongoing paypal dispute case, and soon after the case was closed and i was emailed to be informed that the case was now being reviewed by paypal fraud specialists. not long after another case was opened for the same item, this time it was a chargeback, from the credit card company which was used to pay for the item via paypal. so again, i began giving my side of the story in the ongoing paypal case re quoting the original crime reference number. however, a little while later i got an email from paypal to say the buyer had been refunded because; i had failed to meet the seller requirement of posting the item but they added that they would dispute the matter on my behalf with the credit card company. so by now my account is in minus of almost £400 with supposedly a additional fee charged by the credit card company due to them intervening in the case. now i have spent various hours again working with paypal, who have just taken me in circles adamant to make me wait until they reach a settlement with their ongoing dispute with the credit card company. i have spent countless attempts to try and explain to paypal that cannot simply afford to pay back such an amount in my current financial circumstance without any luck. this whole incident has just taken me to a new level of feeling very low. To make matters worse, i can no longer use my paypal account due to it being in negative, this has restricted me from earning a few pounds to help aid me currently as a student. any advice which could help with this matter would be greatly appreciated. many thank for spending the time reading my my case.