After reading all the forums etc I know I'm an idiot now selling on eBay and will never do so again, but just wanted to get advice on recourse below.
I sold a GPU which ended just before the long weekend, couldn't post anything until after as Post Office was closed but still within time limit.
Literally the day it was delivered the buyer initiated a return saying it doesn't work, providing a photo of a computer monitor showing 'no signal' and a shot of the case with a card with same 'brand' visible (RGB all lit up - I know having fans/RGB working doesn't mean the card doesn't).
I am 99.9% sure the card worked before sending, only doubt is that after confirming card worked I put it back in the box and left it for a few weeks (safe in a closet) as selling stuff is a pain in the ****. Also didn't make a video etc so definitely don't have 100% proof if required to provide it which is stupid I know now (not that I'll ever sell via eBay again anyway).
The buyer also said they are a GPU reseller and have sold hundreds upon hundreds of cards and are a business, yet their eBay account (generic numbers etc) has less than 50 positive feedback (and since late 2022 - I have had an account for 20+ years also 100% feedback). The price it sold for as well is maybe 5% off max you could possibly hope for, so no idea how they expect to turn a profit. It all screams scam, and now I'm worried that if I return I'll either get a card where they have removed the heatsink/shroud etc and replaced with a defect one, or they actually did stuff it up when installing and bricked it and just trying to game the system.
Ebay have already paid out so I literally have the cash in my bank account, and I did list no returns (I know eBay 'say' they override this). Can eBay try to 'direct debit' my account to recoup the refund if I refuse? I have no overdraft so what if I have no money in it? I'm more than happy to fight this in small claims against this person as I suspect they are a scammer, but does anyone know what recourse eBay have to screw me over? As in will they send debt collectors after me or put a mark against my credit file?
Any info would be great, and yes I know, naive and stupid I'm already angry at myself. Cash in hand or giving away to friends/family/charity in the future then dealing with eBay.
Thanks all.
Update: So the seller returned the card. I installed it tonight, and …. it works perfectly. While I am incredibly happy the card works and wasn't swapped out or anything, I'm still super p***ed they abused the INAD function but I'll take it as a lesson learnt. It's clear they didn't read the description where I flagged that the back of the card had multiple scratches, including a big distinct scratch that was included in the last photo, which they probably didn't look at either, and that I flagged the physical appearance of the card was 'average' (I bought it second hand originally from what I suspect was a miner, which I included in the description - the original owner had tried to engrave a name/something else on the back then scratched it out). The buyer indicated they were a re-seller so they obviously realised they over paid and wouldn't be able to re-sell so abused the return function. From what I can gather the buyer owns a computer business in Sydney and probably hoped to put it in a system or something to on-sell (it was sent to a business address, and quick googling found the ABN/owner/business name).
I will refund them the full amount, minus the postage and have included reasoning in the return comment as well as provided photo and video evidence (time stamped as best I could via the News). Not sure if eBay will then try and screw me out of the seller fees for not refunding the postage but couldn't care at this stage.
Lesson to all from this post. Don't sell anything on eBay.
Thanks everyone for the advice, appreciate it.
cash only
pickup only