Seriously paypal can take money directly from your bank account in the event someone wants a refund? I use a bank account that only has around 100 pound in at any one time, unless I'm buying something specific, and I don't have an agreed overdrat. So if they took a refund of say 1500 pound for a bass, when the money was not in the account I'd have to pay huge bank charges aswell I imagine.
It's lucky I don't sell anything on ebay but I'm still shocked...