In a word.....No

I did use paypal but it just comes out my bank directly, CC's are the way to go in that respect but i hate using them, i can't remember the last time i did TBH. Suppose i'll have to pray, moan, and see what comes of it.
As long as you used paypal thats ok.
Open a dispute in the resolution centre on ebay, they will investigate and you should be fine
Link to the ad would be good so all can avoid the seller