As a private seller on ebay, I sold a premium perfume for £320 using Hermes through Packlink which they then subsequently lost in transit. I didn't take out extra insurance since I had no issues with posting similar sold bottles of it previously.   I had to go through the stress of trying to speak to someone and waiting hours on Packlink's webchat. I also had to refund the buyer since they never received the item.   After weeks of investigating with Hermes, Packlink eventual