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So is this right?
 

Iv just had a customer buy a item and immediately ask me to refund them as they did not read the item description correctly. Now does this count as a cancelled transaction which would get me a 'defect' transaction?

Iv had similar cases in the past when I have refunded the customer it does not necessarily mean you were out of stock or the customer was unhappy just simple mistakes but am I right in thinking these situations will be looked on in a negative light now?

Also is it against ebays rules to ask customers if they would be willing to do a bank transfer instead of through PayPal then you could refund them in cases like this without eBays knowledge?

Re: So is this right?
 

then they could go back to ebay and say they have not received a refund or item and you pay them back twice.

What does the drop down options offer for cancelling a transaction or reasons for refund?

Re: So is this right?
 

Yes I suppose if you had a customer who was being unreasonable this could happen