I believe that when you wrote “the most useful information to others, and yielded positive results for others, was the post by another poster and simply said the financial ombudsman wants to hear from people affected by PayPal hold” you were referring to the post by Cq-Tech.

I agreed with solution, but as decisions under the Guarantee are made by eBay (no PayPal) and as eBay and PayPal are separate legal entities, and as eBay is not a financial institution let alone a member of the Ombudsman Service, should the seller lodged have a complaint with the FOS, both eBay and PayPal would have responded by saying, “as the decision was made by eBay, and as eBay is neither a financial institution or a member, the complaint falls outside of the Ombudsman jurisdiction".  So all I did was expand on what Cq-Tech advised so that dispute could be brought within the Ombudsman’s jurisdiction.

Now if you had necessary knowledge and experience you too would have identified this minor deficit, but then if you did, you wouldn’t have written  “the most useful information to others, and yielded postive results for others, was the post by another poster and simply said the financial ombudsman wants to hear from people affected by Paypal hold”