---

@Anonymous wrote:

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. 

---

That would be my undertanding of it, and if I were to raise any claims (other than NPB) I would do so in paypal, I think eBay's process is confusing, misunderstood, and on most levels more grey areas than black and white.

Half the time, eBay don't know how it works, so it must be a real mess for any seller's or buyer's to figure out !