Good for you Malcolm! Yes, sometimes there are some wild stories but they do ring true.
I had an issue several months ago where the person paid with Paypal, I sent the item and then boom, the money was removed from my Paypal without warning or reason. Further digging showed that the person whose credit card and paypal account it was claimed it was an unauthorized use of her card. Anyhow, I contacted the buyer and it took me over a month of listening to her stories about cousins, and sisterinlaws, and lost jobs, and stolen computers, blah blah blah, but I didn't back down and I got my money. In some ways, as much of a pita this gal was, I kind of felt sorry for her and did sort of believe her crazy stories. LOL We parted on friendly terms.