I realise we all have to start somewhere SN. But ive had 12 or 13 non payers in 3 months. Im over being nice.

I sympathise. It can be tough when you get so many in a short term period. 

It makes not much difference to a number of much larger sellers with buy it nows - but if you sell you unique one-offs and use auctions it can mean an unacceptable amount of stock is tied up waiting for UPD to close, and then you get hit with auction listing costs to rub salt into the wound.