IF you have Credit Card Protection, this is how it helped with me, maybe it will help you.
1. I bought on eBay, paid an invoice for 'goods' (not f&f).
2. seller purchased the shiping/insurance in Canada on a big plinth, TT, tonearm, Dust Cover (just like the replacement I now have).
3. Very poorly packaged, (not double boxed) arrived with multiple damages. I took it to local USA UPS regional center for damage verification. (Canada shipper had transferred it from Canada UPS to USA UPS.
They said, the person who bought the insurance has to make the claim, it has to be shipped back to Canada UPS, seller has to make the claim.
4. After it got back there, Canada UPS says: description says 'antique turntable'. we don't insure antiques. And, it wasn't double boxed, not eligible for a damage claim.
5. add confusion, add PayPal dragging it out, more confusion
6. I called the credit card company. Yes, you are covered for 'fraud' protection. This is how we proceed: We will make a note in the system, give PayPal 14 days to resolve it, then we will take action against PayPal. Usually PayPal tells seller, Pay or we will close your account.
7. I told seller that had started, PayPal would close his account; seller sent me full refund.
btw, I believe in putting things in writing, and often ask questions of the seller, and get their written confirmation, prior to the purchase, so it's documented, they cannot lie later.