Heres an update for those that are interested:

I reported it to ACORN

I filed a report with the Financial Ombusman Office

ACORN have referred it to Hume CIU and it is currently under investigation for credit card fraud

The Ombudsman has been negoitiating with Paypal and today I have received a result

"In an act of good faith" Paypal will waiver the amount outstanding on my account but do not accept any liablity - well at least I got the money back - it just goes to show that you have to keep fighting and try every avenue available to you !

and the best part is the shifty buyer will be charged !! and I no longer accept Paypal through Ebay as we have our own merchany facilites so no more dodgy chargebacks - I was told that the credit card used was not in her name (a bit of detective work has revealed that the credit card is billed to the same address as hers) so it shows you how easy it is to rort the system - you can use anybodys card - family member etc who lives at the same address and they can say it wasnt authorised and many still get away with it but not this one !!! I will make sure she is charged even though its going to cost me many more hours in doing so but hopefully this will stop her and her thieving family from doing it to anyone else !!