Hmmm...perhaps for eBay they can be justified in doing it because of the money back guarantee they give to customers. The guarantee, if I remember correctly, extends also to not be satisfied with the item..etc.
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I suppose it was a good idea at the time and they meant well, however it still does not justify holding money which is not rightly theirs, if you are running a legitimate business or selling to the public there are all ready laws in place for guarantee's, refunds etc.