Thanks for this advice; does it apply to a debit card?

In August, I purchased some Aveda perfume from a US ebay seller, paying via paypal. When I finally received it, many weeks later, it was clear that it was not Aveda; I wouldn't like to say what it was. I contacted the seller, who agreed to refund the cost, on receipt of returned goods. I filed a complaint with paypal,as I felt that dodgy perfume could be very dangerous if applied to the skin, plus, I wasn't happy about having to pay shipping costs to and from America for shoddy goods. Paypal said I would be entitled to a refund of the cost of the goods (but not postage), once the seller confirmed re-delivery of the perfume. I sent off the perfume. In the meantime, the postal strike took hold, and then paypal said the case was closed, because a certain amount of time had lapsed. The seller does not respond to emails (unsurprisingly), and I have had no refund from paypal or the seller, so have pid for the perfume and for sending it back! The seller had positive feedback from buyers, so I assumed he was trustworthy; however, I assume that these were US buyers. Ebay has advised me to contact the police, although the latter are not too interested in the case, given the relatively small amount of money involved (though it was not to me!) and the fact that the fraudulent selling took place halfway across the world. Is there anything I can do???

Creation has taken over management of a storecard for a department store which was, until recently, a local, family owned business, Robbs' of Hexham. Creation are remiss about sending out statements; when I didn't receive one for August, I had to contact them, and they still attempted to impose a late fee of £20, waived only after I wrote to their 'collections manager'. The person I'd originally spoken to on the telephone was extemely rude. I did not receive a statement for October, and the same thing happened; I had to telephone an expensive 0870 number, and was treated quite rudely. I have set up a direct debit scheme with Creation to prevent any more late fees being charged; however, they will not waive the second £20 late fee, claiming, "We cannot accept responsibility for the Royal Mail all the time". I have just returned from an appointment with my local Citizens' Advice Bureau, who attempted to negotiate on my behalf; neither the collections manager nor his deputy were prepared to speak to the C.A.B, and, once again, the person on the other end of the telephone was discourteous; as the C.A.B. said, 'aggressively rude', more so than any of the banks or utilities he has previously dealt with. The C.A.B has advised me to take a copy of Creation's 'Terms and Conditions' into them, but there is concern that Creation won't budge. Has anyone else had similar experiences, and was there any way of convincing Creation to waive this fee? I have to say that this particular storecard is getting cut up and going in the bin!