Well I contacted Max, the only option I was given was to wait until next year, when the business was operating again. Trying to dispute Paypal was the most frustrating thing ever, they have atrocious customer service, like ebay. Their half automated/half copy-and-paste hack job responses were just awful. I sent 3 very different emails, they ignored pretty much all of the points and sent back almost 3 identical replies. I stupidly didn't realise Paypal had a 180 day time frame, but even if I had, I still wouldn't have put in a claim because Frank had contacted me, I was aware of the unfortunate events happening in his life, I was willing to be patient. Who would have known the tragic event that would follow. Although Paypal have been very unhelpful, I am still hoping to get my money back from them. I paid using Paypal CREDIT (although not a credit card, they offer a debtor-creditor-supplier agreement) so I have raised a claim under section 75 of the consumer credit act. Seems ironic really that they wiped their hands of my complaint, yet as a credit provider, could be jointly and severally liable for any breach of contract under section 75. Of course at no point did they offer this as an option. They also have very little info about this on their site. I wasn't even sure if Paypal Credit was covered by section 75, but luckily under their credit agreement I found it listed so I am slightly more confident. This probably doesn't help you sadly though.