Hi barb,
I bought an i-pod on ebay which turned out to be a very poor fake. I contacted the seller (who was very highly rated) and was ignored. As the item was not bought through pay-pal, i contacted their claims dept and they paid me back the money. they were very helpful and even though i contacted them outside the 28day period, they still processed my claim, however it did take a while.
My advice would be to contact the seller (through the e-bay message system so there is a record) and if you get no joy, contact the claims dept.
Hope this helps.
Brendan