Tirhni, thanks for explaining in my absence. You are right of course on all counts.
BUT ALSO last year after only a few weeks of registering with pay pal and going onto ebay....I was the unfortunate victim of identity fraud....they managed to take over 1000 pounds, they increased my overdraft, managed to get cash back so had my PIN number etc. before my bank picked up on this, I was unaware as for ease of registering with ebay U.K. I used my account from the U.K.....
It took quite a few weeks and lots of expensive phone calls, backwards and forward to the U.K., needless to say I cancelled my paypal and haven't touched ebay since, my account details were renewed etc. and it was probably just bad luck, but it sure has put me off internet shopping. :cry: