Hi - Sometimes the Buyer does not know that the Bank has commenced a Chargeback. My experience with one was that the Buyer (when I rang her to find out what was going on) had just got married and changed her name - had changed her account name but not her Credit Card (or the other way around).

Anyway she was horrified when I rang her and she got onto the Bank and Paypal immediately. Still took a couple of days but she did it all and rang me and apologised profusely.

So - always worth contacting the buyer first.