Hi Butterflywing........
I have never paid for or had someone send me $$$ through paypal...
but last December, my husband was checking our credit card account on the internet and noticed that there was a $249.00 amount charged to us by paypal...we contacted our bank and all was taken care of by them........and we were reimbursed immediately.
Couldn't figure how this happened since PP was never used by us.......but all ended well.......and we got our money put back into our account.
This was my one and only occurrence with paypal. good luck...
mj