If Paypal has unfairly ruled against you in a dispute, whether you are a buyer or a seller you can take the matter further.

If you have been scammed as a buyer or as a seller and you feel you have sufficient documentation or proof that Paypal have wrongly ruled against in a dispute which is leaving you:

• out of pocket due to a payment reversal or chargeback and Paypal refuse to refund you
• or Paypal have taken/removed payment(s) from you
• or Paypal has frozen your Paypal account
  
• or placed a 21 day hold on an ebay payment you have received in your paypal account
• or your paypal account has been fraudulently used
  

If there is behaviour/practice of paypal/ebay you find anti competitive or you think violates your rights as a consumer you could lodge a written complaint.
 
You can lodge written complains to:

1) The Banking Ombudsman
2) Office of Fair Trading
3) ACCC

If you do a search on the internet you will find websites for 1), 2) and 3).

Banking and Financial Services Ombudsman:

• Phone : 1300 780 808
• Fax : (03) 9613 7345
  
• Address:
  

Contact information for Paypal:

• Phone : (02) 8223 9500
• Fax : (02) 8288 0001
• Email : service@paypal.com.au
• Address:

If the Banking Ombudsman rules in your favour then Paypal will  have to reverse their decision and rule in your favour.

Have a lovely day - sunflowercastle