Im confused,  on a legal level my daughter is a lawyer so I can ask her sorry tb, I just want to know how can ebay be responsible for funds held if paypal are holding the funds? Ebay couldn't hold funds because they are not a financial institution and if paypal is no longer part of ebay then they have no right to hold funds on the advice of a third party being ebay unless the claim is put through paypal directly by the purchaser,  this is where the money back guarantee is very grey.