paypal only works if items are bought from a secure site like ebay.The rules are slightly different when its private sales like on these forums.
getting paid as a gift isn't something to do,especially if something happens.The buyer will always lose if he sent payment as a gift.
Why people think paypal is safe for forum sales,I'll never know.If you buy a watch off the sales corners and its not as described,opening
a dispute gets closed by paypal.If the item was bought on ebay,then theres some recourse action.
As far as the 45 day dispute limit being valid,think again.If you bought a watch from a private seller and the 45 days has passed,
the seller can file a dispute naming you as the seller,raise it to a claim then even though paypal knows its bogus and fraud,they will
take the money regardless.I know.Tourby watch co.tried that horseshit on me.And if you funded your account using a credit card or
your bank,remember that here in the states,if you got a refund for a product sold by lets say amazon,they have 6 months to
file against you.While your card company and bank will find in your favor up front,you need to be on the watch for any company
to file a bogus claim later,like they didn't recieve the product back even though you have proof that you did.
If any of these situations occur,your only action is to sever your card and bank account from paypal.Your bank will give you a new account
as will your credit card company.Banks know all about paypals policies.You sever all financial links to paypal 1st.paypal doesn't negotiate when
they have your money.They will negotiate when you retain full control of the money.
Its kind of sad,but thats the way it works.I closed my paypal business and premier account over crap like this.I use my friends
account when paypal has to be used.
No matter how long someone has been buying and selling on the forums,theres always that 1st time when things go very wrong.
Protect your self by being proactive,not reactive.