Bandit made me look
http://pages.ebay.com/help/policies/buyer-protection.html#conditions1As a buyer, you can file a case under the eBay Buyer Protection Policy when all of the following are true:
You are an eligible buyer (see Buyer eligibility). *
You completed a purchase of an eligible item on eBay and submitted a case within 45 days from the date of payment.
You purchased the item on eBay by using the Pay Now option or an eBay invoice.
You paid for the item in one lump payment. Transactions involving multiple payments, such as a deposit followed by a final payment, are not covered unless the non-lump sum payment was due to an eBay or PayPal system requirement or policy.
The item is not excluded from the eBay Buyer Protection Policy (see Exclusions).
There is a good faith dispute between you and the seller regarding the item. A good faith dispute can include cases such as:
You did not receive the item in the estimated delivery time provided on the Order details page (or 7 days after payment, if no estimated time was specified). We may lengthen this period when necessary, for example based on the type of shipping provided or the buyer's location.
You received an item that was different from the one described in the listing (for example, you purchased a book, but received a hat).
You received an item that was not as described in the item description.
A good faith dispute does not exist if you improperly claim that the seller has not fulfilled the transaction, if you claim you never received an item when in fact you did, if you refuse to accept shipment of the item (and eBay didn't end the listing), or if you claim the item was not as described but the seller can prove otherwise.
Moreover, a good faith dispute does not include buyer's remorse (that is, the item delivered was as described in the item description, but you no longer want the item regardless of the reason). However, even in a case of buyer's remorse the buyer may open a case and eBay may refund the buyer and receive reimbursement from the seller if at any point after the sale is completed, the seller agrees in writing through eBay Messages to provide a refund upon receiving a return from the buyer. Once the buyer returns the item using appropriate tracking, the buyer may open a case and eBay may refund the buyer and seek reimbursement from the seller. However, if a buyer returns an item without agreement from the seller through eBay Messages, we will not cover the buyer's case for the return and will not hold the seller accountable (even if the seller’s original eBay listing stated a return policy).
You have not initiated another form of resolution processing, including credit card chargebacks (if you paid by credit card) or PayPal Buyer Protection claims (if you paid by PayPal).
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