User Activity

My seller account name is not the same as my bank account. What can I do?
Buyer made offer, I suggested counter offer, they came back with a counter offer for the same as the first offer which I had refused!?
Buyer has sent photos of some shoes that look much the worse for wear than when I sent them and says arrived like that.What should I do?
Selling fee was 45p, but credit from E.Bay due to non payment was 44p. I know it is only a 1p but why is it different?