I WAS BIDDING ON JEWELRY.  I LOST A HEATED BID WAR ON ONE ITEM A 1.78 CARAT DIAMOND RING.  A MONTH LATER , I GOT AN EMAIL OUT OF THE BLUE FOR A SECOND CHANCE OFFER AT 1800.00.  I SENT MONEY AND RECEIVED A REALLY HORRIBLE QUALITY RING.  THE PERSON WOULD NOT RESPOND TO REQUESTS FOR RETURN ALTHOUGH THEIR SITE REFLECTED THAT THEY WOULD HANDLE REFUNDS IF SHIPPED WITHIN THE FIRST 7 DAYS.  THE TIME EXPIRED WITH NUMEROUS REQUESTS SENT FROM ME.  EBAY WAS NO HELP. I PAID THROUGH MY CHECKING ACCOUNT, SO A DISPUTE WAS ALSO NOT AN OPTION.  PAYPAL TOLD ME THE TIME EXPIRED SO I WAS LEFT WITH PRETTY MUCH NOTHING.  MY JEWELER TOLD ME THAT YOU CAN BUY CHEAP DIAMONDS FOR 75.00 ALL DAY LONG AND THAT WAS WHAT HE THOUGHT THE GUY HAD SENT ME.  YET ANOTHER COSTLY LESSON...........................................