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<p>[QUOTE=&quot;samjimmy, post: 244280, member: 3813&quot;]The first thing we need to know is how did you pay for the item?&nbsp; If it was through PayPal, then you need to go to PayPal and file a dispute (that you never received the item).&nbsp; They will ask the seller for tracking info (delivery conf., ins., etc.) and if he cannot provide it, PayPal will attempt to take the money from the seller&#039;s account.&nbsp; Sellers often don&#039;t do what it takes to protect themselves, and some even get huffy once they realize this (thinking it&#039;s your problem when it isn&#039;t, or that PayPal is cheating them).&nbsp; As was said, the bottom line is that insurance protects the seller, not the buyer.&nbsp; It is the seller, insuring the safe delivery of the item to you, not the other way around.</p><p><br /></p><p>Now, if PayPal cannot recover funds for you, the only real option is to sue the seller in court (which isn&#039;t worth the time and money for $20), but I can tell you from experieince that even with higher amounts, you can win a judgment against someone but that doesn&#039;t mean you&#039;ll ever see the money.[/QUOTE]</p><p><br /></p>

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