Fake items are expected to received when you purchased on ebay. If its clothes, accessories or books, you can easily identify the real ones but for some items they can be replicated.
If £400 is not big deal to you then better pay it. From your explanation, its really obvious that they ignore you despite the many calls. If you apply for a payday loan online make sure to read a few details about the company. Payday loans are the top fraudulent businesses currently operating online so we should always be careful.