This is a guide to inform Paypal users how to conspire with Paypal (and the U.S. Post Office) to defraud buyers and steal money and not be arrested. The best part is that Paypal's complicity in the fraud comes very cheaply, for the regular fee for a legitimate transaction. I found out about this wonderful idea by accident. I bought a $200 camera from Ebay user o.t.k.list01 that was not delivered to me, the seller refused to do anything to help, told me it was my problem she sent the package. I looked in my Paypal receipt and clicked the "check shipment" tab. It showed delivery to some place in the next zip code (I found out later that the zip is adjacent to me). I put this in the claim. Paypal  denied my claim 3 times. I had no camera and no $200. Paypal cited in the denial "The buyer showed delivery confirmation" paying no attention to the fact that the delivery shows that it was to the wrong zip code and thus not to me. So, how does this apply to the average seller? Simple: You can collect money for goods and not actually ever send the goods. All you have to do is send something to somebody in some postal code with a non-signature delivery confirmation! It's that simple! And Paypal is such a cheap fraud co-conspirator that they charge only their regular 3% fee even though most criminals in an illegal enterprise charge half or more. Then when the hapless buyer complains, Paypal says "tough luck sucker." Why spend hard earned cash on new things and sell them for less on Ebay? Instead Try This:  you can send styrofoam another address, collect the money for an expensive camera and keep the item just with using the post offices delivery confirmation process and Paypal's blythe response to the luckless buyer. Paypal representatives actually told me that "Paypal considers the adjacent zip code to be adequate delivery confirmation". No sh--, a Paypal rep even accused me on the phone of possibly getting it delivered to a friend in the next zip code, even though she had no proof..

Post Script: Later I finally found out that OTKlistO1 had sent the camera to my address and the Post office miss delivered it. But I never received the camera, she refused to submit an insurance claim (which was plastered all over the item page and on my Paypal receipt as being provided for in the shipping cost)  and Paypal never got my money back. I finally got my money back by filing a claim with my credit card company (Chase) and then Paypal allowed the seller to go thru it to file yet another counter claim, which so far has not suceeded.

 NOW some real advice to buyers: always pay for Ebay items with a credit card because Paypal and Ebay will screw you if they can. So will Bank of America credit services, which will do anything it can find to deny your claim. After all my experiences, I only endorse Chase credit services as a quality consumer advocate. To pay thru Paypal, using a credit card, you must have a credit card linked to your Paypal account and your Paypal account must be emptied prior to paying for an item. Then you must change the payment method from your bank account (if you've linked it to Paypal) to your credit card. You have to keep your Paypal account empty to do this and select "pay with credit card every time you pay for an item. I've been doing this regularly since my experience with OTKlist01 and Paypal. I keep my Paypal balance at zero and always pay with a credit card.

And added benefit that I am particulary fond of is that paying with a credit card cuts Paypal out of 2% of the 3% fees it charges sellers. This is because the credit card companies themselves are thieves who aren't satisfied with the exorbitant interest they charge the card holder. Credit card companies also charge the retailer 2% of each transaction (which the consumer utltimately usually pays thru the cost of the item at the bricks&mortar store). So, Paypal, in the position of being a credit card payment processor, gets charged 2% of each transaction, thus only makes 1% on an Ebay sale instead of making the usual 3% it charges! nananana! But since the credit card company is the only one I can depend on, I am much happier to let them get the 2% than I am Paypal. Utlimately, by using this strategy and paying off the credit card every month, when I buy on Ebay with a credit card, Paypal's 3% cut gets scalped with 2% going to my credit card holder, which gets no interest from me, in fact, I get a 1%-3% rebate from them on every transaction I make!