jvr,
This has happened to many (if not all) that happen upon ebay, and stay for a while. What you need to do to continue to Buy/Sell on this site, is to follow prompts, verify accounts, so ebay has a clear line to your (Credit/Bank) account, and simplify retrieval of its 'Listing fees'.
]:)
Don't let a little thing like fear or common sense stop ya'