Just tell NCO to stop calling you and fax a letter saying that.

I doubt they're going to list ebay on your credit, and even if they do just take it up with equifax and trans union to get dispute written on the item.

I have been in touch with both Ebay and Paypal. They both say the same thing that they are unable to help, and give me their standard pointers in dealing with a difficult transaction. Finially after about 10 months I managed to get Ebay to refund the sellers fees. Naturally they didn't refund the .96 in interest they charged, and believe it or not sent that to collections too. Since the minimum I could pay them was 1.00 I now have a .04 credit with ebay.

Paypal advised me that i should try to work it out with the buyer to return my goods, and if that failed they gave me a list of agencies that for a fee naturally could assist me in obtaining my goods back.

So, I will need to pay someone else, to retrieve my camera, and who knows what shape it is in now. For all I know I would get back a broken item, with absolutely no recourse. I have learned my lesson of dealing with ebay and paypal. Never again as long as I live will I deal with either.

My problem now is with the dogs they have sicked on me from nco.
Any ideas on how to deal with them. I know explaining my circumstances and how I was ripped off will fall on deaf ears as they just do not care. Do these people have the power to garnish wages, or withdraw money from my bank account.

I'm pretty sure that this is common..
I'm wondering if there is a way to verify to ebay that you didn't receive the item back..

This is one of the reasons I don't do business on ebay...

This almost sounds like legitmized theft the way you've decribed what went down. Have you spoken with ebay about this?

About a year ago I sold an item on Ebay and accepted payment via paypal. Over 60days after receipt the buyer changed his mind and asked for a refund. I reminded the buyer that the item was a final sale, as is, where is, and would not accept a return. I had already transfered the money out of my paypal account. The buyer filed a chargeback, and paypal refunded his money. Said I did not qualify for "seller protection" whatever that means.

Now I am receiving letters from NCO finiancial demanding payment. The buyer never returned the item, and yet received a full refund.
Paypal said "vendors that accept credit cards run the risk of charge backs, and must consider this as the cost of doing business if accepting credit cards"

Because the buyer used his visa card to fund his paypal account, he filed a chargeback with Visa, which permitted the chargeback for up tp 90 days from the posting date.

Any advice?