Soldato
Alternative but extreme sollution is Close the bank account and open new on asap. Ebay will hit a brick wall with a charge back. If paypal then u out of luck as they send bailifs.
PayPal don't send bailiffs, only the high court has the power to do that. They might send debt collectors, but they have nowhere near the same legal power. In order to send actual bailiffs, PayPal would have to prove you owe them the money, which they can't do, since it was their decision to refund the buyer, not yours.