It would help if you could clarify exactly what happened.
As jckl1957 has said, for your buyer to have won a case through eBay he must have paid eBay through checkout. Don't forget that buyers don't pay you - they pay eBay. Sellers are expected to dispatch or make items available for collection as soon as eBay notifies them that the buyer has paid. That doesn't necessarily mean that you get the money yet - as a new seller eBay will be holding your payment for up to 30 days s a security precaution.
If this is what happened and your buyer paid for the item but has not collected it, he was entitled to claim a refund.
What I don't understand is why eBay would set debt collectors on you if they are holding the buyer's payment. All that you would then owe eBay are any fees for the sale, which wouldn't merit engaging debt collectors.
Or does eBay expect the seller to refund the buyer personally, even though they are still holding the buyer's full payment ? I must read this section of the user agreement more carefully, but would a court really accept that the seller owed eBay for the refund when they're already sitting on the buyer's payment specifically for that purpose?
Even by eBay standards it sounds so bizarre that I'm wondering whether we've missed something here?
