You don't know what financial institution handles their managed payments do you? Thanks 

Thanks again mate I appreciate it. 

Tip
If a hold is placed on your funds, it will usually be resolved within 30 days, but in rare circumstances it may take longer. For most orders, adding tracking information can help you receive your funds faster. eBay does not earn interest on held funds.

Payments on hold | eBay

Yes I know that, I kinda said that, eBay themselves and members on here have it out there in public information. Once upon a time it was not the case, hence the question. Thanks for your response though 

Once upon a time eBay wasn't the payment entity.

So what, given you already know how the current system works, is your question?

Thanks for your question mate, mine have all already answered twice and I'm happy .What is it exactly you want mate? Thought the questions were pretty obvious but hey the more the merrier. Welcome