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[–] thelma ago 

I've had many on ebay say "no refunds" .. and I still end up getting a refund.

Only thing decent about ebay really.

But you cannot have a paypal account to use the ebay guaranty ... its in the TOS. If you have paypal then you have to go through paypal.

Have no idea if paypal does the same as ebay.

But with ebay, I have not had a guarantee return denied w/i 30 days of the claim.