Okay, so I have two major problems with paypal for items I sold through ebay. I am an individual and not a business seller and would like to know what I can do and where I stand legally. thanks in advance. heres the problems;

1) I sold an item and posted to America in January of this year and now, in May the buyer is claiming back through his credit card company.

2) I sold and posted an item to Italy. For this item I still have the proof of postage but before I could track the item through the post office paypal have refunded the buyer. I have never offered insurance and the buyer didn't pay for any. My account is now in negative and paypal have been treatening retrieval methods.

I'd appreciate any help. Thanks in advance.