alee132, you call your bank; the one that issued you the credit card and tell them everything they ask you. They will want to know who you paid the money to (yes they know paypal is an agent and may ask you who you paid) That's fine. They'll want to know that the circumstances are and then they will send you a form in the mail which you fill out and send to them. The investigation may take up to 60 days and the following varys from bank to bank: You will either get your refund right away and keep it pending the outcome of the investigation. You might not get the refund but the extra money on your balance will be of noneffect because the banks that do it this way will not calculate your minimum payment or compute interest based on this portion of your balance. Finally some banks will leave your balance there until you win. In all cases though BEWARE cooperate with your bank and pay close attention to all coorespondance with them. If you ignore or neglect to reply to any of it, even if they took the balance off your credit card completely, you may find it added back on so tell them everything staying honest.
And yes. If premodded doesn't respond to paypal (who will get called by your bank and mine too), then paypal's merchant account will deduct our money to pay our banks since they pay us. Paypal doesn't like that I'm sure so no they will not sit idlly by. They will go after premodded (as will some of our banks) and at THAT point (if he hasn't responded by the end of the investigation) we're talkin' criminal actions and no to my knowledge, we won't be a part of that. At that point, it's between the banks, merchant account holders, cops, and premodded.com. He'd be wise not to ignore them as he does us.