If you didn't ask for insurance , they might try to cop out , but you'd think they'd have the guts and balls to accept liability since you were rorted by THEIR member ! You'll have to read up on their buyer protection policy in regards to direct bank deposit payment ! Direct bank deposit is risky - it's the same as handing someone cash ! If you put something with the deposit that shows it was for an ebay payment - then you can go to the police and have the seller charged with internet fraud ! When you pay people , you have to use your IQ to make sure they can't say you didn't pay them and NO solid ID with a payment allows them to get away with it !