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I got an item on ebay which I had payed for (without knowing) through my Bank Account on Paypal. I thought I was going through my credit card but I wasn't too mad it was taken from my bank account. Any way I filed a claim with the seller and if they don't respond by the 15th, I apparently I get my money back. But I payed through with my bank account, its much easier through a credit card because you can stop the payment! I am afraid I won't get a refund because I used my bank account.
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