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Is Ebay Becoming too Greedy and too Difficult for Small Sellers?

Updated on January 21, 2012

HERE'S WHAT I THINK

Is Ebay Becoming too Greedy and too Difficult for Small Sellers?

I've been selling on a small scale on ebay for about 4 years now. I used to see all the complaints from ebay sellers back when I started selling and I didn't understand what the fuss was over. Now that I've been through several years of pro-buyer policy changes and pro ebay fee changes I'm starting to see the problem.

I love the idea behind ebay: a place where anyone can go to sell merchandise with a feedback system and a dispute process to protect everyone. In theory it should be a level playing field for both seller and buyer alike with equal risk for both.

Instead ebay does little to protect honest and trustworthy small sellers. The last several years have seen ridiculous policy changes that are far too biased and one-sided. All the policies seem to protect buyers and actually make things much more difficult for us honest sellers. We have to deal with malicious buyers who want to abuse the feedback and "item not as described" dispute processes. Malicious and dishonest buyers can easily use negative feedback and poor detailed seller rating scores to hold honest small ebay sellers hostage. While I certainly understand the importance of buyer protection policies, ebay is focusing far too much on this topic and creating a hostile and alienating environment for its sellers.

As if the pro-buyer biased policies and dispute process weren't enough, ebay continually raises fees. The latest change has basically resulted in ebay not double, but triple dipping into what slim profits remain for small sellers. Ebay now charges a final value fee based on the the total transaction amount. In other words...ebay now charges sellers a final value fee on the shipping charges they collect from the customer. I understand this is intended to prevent sellers from hiding profits in their shipping charges by over charging for shipping. Unfortunately this new fee policy does nothing but hurt the honest seller once again. Many sellers, like me, simply pass the exact cost of shipping on to the customer. Now ebay takes a percentage of the money the buyer pays me to cover the exact shipping charges. This means I either have to raise prices, which in turn just means ebay will take more, or I eat a small loss on shipping charges now on top of all the other ways ebay manages to snatch profits.

Consider the typical listing process. You want to list a product. Of course you need to pay a listing fee. Not so bad right? Do you want a subtitle for your listing? That will cost extra. Do you need a bold title? Extra. Will you need more than 1 photo? That's gonna cost you more too. How about a gallery view so you can offer larger images in search results? We'll just tack on a fee for that too. Oh you want your listing to run a few days longer? That's another fee.

Now that your item is listed you can take a breather. I guess that wasn't so bad right? I mean after all, many of those listing fees were optional expenses you could simply say "no thanks" to. (That is unless you are competing with any other motivated higher volume sellers).

If you are lucky enough to sell your item the real fun starts. Your customer pays you the final bid amount/listed price plus shipping charges. Of course there will be a final value fee based on the total transaction amount. At least your ebay fees are done right? Not so fast! That customer of yours probably paid via PayPal, right? Well PayPal just so happens to be owned by none other than ebay and guess what? Paypal has to charge you a fee yet too. So kiss another 2.9% plus $.30 goodbye.

Don't get me wrong here. I totally understand ebay needs to make a profit. I realize ebay gets my products in front of a great number of visitors each and every day. I have no problem paying for services rendered. I just ask, when is enough enough? I recently did some calculations and discovered I'm losing, on average, 17-18% of my profits to ebay. Pretty scary considering I don't even take advantage of most of ebay's optional upgraded listing fees.

Things are getting to the point where small sellers like me will be forced out because we are continually caught in a vicious cycle caused by ebay greed. Ebay raises fees so we are forced to pass those fee increases on to our customers. So we charge more. That results in reduced sales and less satisfied customers because we raised prices. After we raise prices that means ebay gets to take slightly more based on the increased final value fee and the cycle continues.

Now It's YOUR Turn!

What do you think? Voice your opinion below!

WHAT IS YOUR OPINION OF EBAY'S FEES? NOW IT'S YOUR TURN! - What do you think about ebay's fees?

Now It's YOUR turn! What do you think?

Are ebay's increasing fees a hindrance to the little guy? Are its increasingly one-sided and buyer-biased policies making it harder for sellers?

Leave you opinion below. Don't worry, you don't even need to be a squidoo member to join in on the argument!

Is Ebay Becoming too Greedy? Are ebay fees becoming too overwhelming for smaller sellers?

You're darn right!

You're darn right!

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    • anonymous 3 years ago

      After enjoying small time selling for a number of years I recently tried to sell only to find I had to have a business model and lots of changes about how to send the sold item. I mainly used to do pick ups. It is beyond enjoying now. I am off to Gumtree if eBay is not interested in such as me.

    • anonymous 3 years ago

      No seller, no buyer ! the Ebay and paypal charge doesn't make any sense! They charge on the original cost of the item and shipping fee. The more expensive items , the more ebay charges! For example,i buy $1000 tv from bestbuy, and sell on ebay for$1100, plus 100 shipping,and ebay will charge $120,paypal will charge me $47.1 ,so finanlly i will lose $67+$100 shipping! R you kidding me!!That's ridiculous!

    • anonymous 4 years ago

      Ebay's latest "disruptive innovation" was the purge of some 15,000 sellers two weeks ago, most good decent small "mom and pop" sellers who got the axe because of Guardrail trending or Quick Decline, an ebay mechanism designed to accelerate the demise of a small seller.

    • anonymous 4 years ago

      Yup another incidental internet success story that relies entirely on user numbers to operate yet fleeces those same users for as much cash as possible. Pierre Omidyar is a disgusting little cretin.

    • anonymous 4 years ago

      Stop using ebay and they'll have no choice but to review how they run their companies.

      Who are they going to rip off if there's no one to rip off? Only way greedy companies ever listen is when their customers vote with their pockets. It's the only language any company ever truly understands... The language of the wallet.

    • anonymous 4 years ago

      We sell a lot but cheap items for example 2-3 pounds each and we sell them at a rate of about 250 pieces per day. Out of these at least 3 are claimed lost, 2 damaged, 2 are claimed to not match the description for a totally ridiculous reason. So these are lets say this is already 2% loss of turnover. Imagine you sell laptops or something more expensive where the profit margin is very thin like 10% or so. Imagine you sold 100 laptops each of which cost you 300 pounds to buy and of which you make a profit of 30 pounds or (10%) so your profit for these 100 laptops is 3,000. Now imagine that you loose 5 (or 5%) of these laptops in paypal claims,etc. This is a total loss of 1,500 out of the 3,300 that you would normally make. And also lets not forget that the motivation to complain about an item that costs the customer 330 is much greater than the motivation to complain that 1 pencil out of 10 that you bought for 2 pounds is broken so the complaints rate could be even more than 5%. If you happen to be that kind of a seller, congratulations, eBay already had, is, or at some point in time will fuck you big time!

    • anonymous 4 years ago

      After ten years of selling on eBay what was once a pleasurable and reasonably pleasurable and profitable experience has turned into a nightmare with new policies completely biased towards the buyer......it's only a matter of time before eBay will take a nosedive, they seem to have completely dismissed who made them rich and successful in the first place....the little guys like us.....

    • anonymous 4 years ago

      I've been jumping through ebay's sellers hoops for 10 years - I cannot and do not want to do it anymore. They have ground me down, they are the only winners. They claim changes are for the benefit of buyers and sellers alike - they are self interested only! I hope their new business model fails miserably and I hope old sellers don't go back should they ever try to tempt them back. If you shoot yourself in the foot - prepare to spend the rest of your days limping!

    • anonymous 4 years ago

      Ebay focuses on attracting and protecting buyers,Sellers on the other hand have no recourse against dishonest buyers I have seen this time after time.The person buys the product receives the product and claims "Not as described" to extort partial refunds. Personally I use every option left available to turn them in. But with no negative feedback for buyer accounts they still go on to the next one down the line.

    • anonymous 4 years ago

      They have always been greedy - the illusion was thinking that they were anything else. They have now become like US bankers were they simply don't care about values except that of the dollar. Decency was never in their corner and their never ending lust for greed will ultimately lead to their demise. The world requires a half price or less competitor who can suck standing Ebay sellers away from their purgatory and into a fairer light from the current overhead shadows of the corporate Ebay ghouls. All empires have fallen and EBay's greed and false pride is merely as sign of their inevitable and thankful downfall - may that time come soon!

    • anonymous 4 years ago

      Starting in 2008, ebay put in place a number of bad policies that are basically eliminating small sellers.

    • anonymous 4 years ago

      I started ebay 2 months ago and never get any views. I describe everything perfect and start 99p. Ebay are scamming little sellers.

    • anonymous 4 years ago

      Good post. I can't believe eBay and Paypal are taking £50 fees from an iPhone I've just sold. Outrageous. eBay seriously needs some competition.

    • anonymous 4 years ago

      Too much. I sold a phone that I bought for £130. I sold it for £150 thinking I'd made about £20 profit. After ebay fees, and paypal fees, I actually made a loss. About time there was a competitor to this bunch of cowboys that would charge fairly.

    • anonymous 4 years ago

      absolutely. I have a store which on a monthly basis I sell about 60 items a month. Total store sales is around $800. I calculated that I paid listing fees of about $100 per month. Another $80 for a store fee. About $150 in commission fees before PayPal takes another bite. My costs for the sold items were about 25% of the total sales or $200. Of the $800 in sales, I am only making around $270 ($800-$100-$80-$150-$200) Ebay makes $330 from the $800 in sales. I am planning to have a liquidation sales and say goodbye to Ebay.

      Ebay is a corp whose main interest is in increasing net income. By doing so, it is squeezing the profit from the Ebay Sellers. When I first started doing Ebay. The store was about $15-$20. Commission was 5% and listing was 2 cents per item. Then store fee was jacked to $50 and now it is $80. Commisision was increased to the present rate of 9% + 3,5% PayPal for most items. Store listing per item was10 cents. Totally unbelievable.

    • anonymous 4 years ago

      With ebay making major changes in fees, charging more from the sellers and putting a restriction on the minimum resolutions required to upload the product's photo.. I believe the best would be to look for an alternative which is best in the competition and which allows you to keep all your earning to yourself and not share it. Where sellers can:

      1. Create Free listings

      2. No Transaction Fees

      3. Auto sync with ebay..carry all your listings from ebay along with the ratings and feedbacks in just a click.

      4. Free integration with Google products (which auto populates the product description form for you, saving your precious time) and Google Shopping (which tells anyone who search on google to buy a product that it is available on our website, which by the way we pay for and provide you the service absolutely free)

      5. Payment option like Paypal and Amazon for the most secure transactions

      6. which does not allow you to leave a feedback for a cancelled transaction

      7. a platform that not only list your products but also organise your customers and market your product in your network

      8. a platform where you are just not dependent on ratings but also can leverage your social and professional profiles using log in through facebook, linkedin or google accounts

      9. A platform that allows you to know the counterparty and build trust on the basis of work profile, school, college and other such dimensions.

      10.Unlike ebay it has just one website (not different website for every country) so you can sell products worldwide and buy awesome products from across the globe as well

      11. Unlike Ebay you can upload any resolution image and do not need only high resolution images to upload

      12. Last but not the least it is absolutely free

      And so the website that gives you all this is www.truegether.com

      We have released our beta version and the new website with all these points said above will be launched soon in June, 2013.

      We request all the sellers to list their product and leave us a feedback to help us improve more and give you a splendid experience of selling online.

    • anonymous 4 years ago

      EBAY GREED NOW THEIR RUKLES ARE 5O FREE LISTINGS THEN ITS 30 CENTS A LISTING USE TO BE A DIME THEY HAVE RUINED FOR THE SMALL BUSINESS GUY

    • anonymous 4 years ago

      It's very difficult to make a profit on Ebay now, so why go to all the trouble and expense to list with them? I do much better at my local fleamarket now.

    • anonymous 4 years ago

      No wonder many calls them ebay and paypal Nazis.

    • anonymous 4 years ago

      EBAY IS SOOOOOOOOOOOOO BIAST IT NEEDS TO CHANGE ITS WAY BIG TIME EVERY TIME IT FAVOURS THE BUYER ... ITS AWFUL

    • anonymous 4 years ago

      I just ended selling on Ebay. I'm fed up with Ebay's greed and the monthly recurring "insertion fee" charges for items listed as "good til cancelled" was the last straw for me. These type of items are listed (inserted) only once, but Ebay charges fresh insertion fees every month for those items.

    • anonymous 4 years ago

      eBay is too greedy. 9% final value fee + 3.5% PayPal fee = 12.5% on each transaction! Who gets "commission" like this anywhere else? To add insult to injury they charge 9% on top of shipping charges (seller cost) PAID TO EBAY! The shipping fee they quote you is actually understated at the point of purchase. That is an illegal pricing tactic. They should be taken to court. No other word for it, blatant GREED!

    • anonymous 4 years ago

      Yes they are greedy but I cannot get sales to match my performance anywhere else. BUT I try really hard to maintain my Top Rated Seller performance and Ebay seem to do nothing to help me be a good and reliable seller. They keep moving the goalposts. International tracking is a no no for small items, now unless you sell squillions you are not going to get visibility abroad. In their effort to make more money they are actively discouraging people who underpin their business.

    • anonymous 4 years ago

      There needs to be an alternative selling site to give Ebay some competition...they are almost a monopoly now and able to get away with the fees. Basically you work for them first and hope to make a few pennies.

    • anonymous 4 years ago

      Yes I totally agree the fees are starting to get ridiculous! Small business's and lower level sellers will be forced out as the corporate greed takes over!

    • anonymous 5 years ago

      Ebay are a disgrace, you have to pay to loist, now they take a HUGE cut called the fibal value fee which is around 10%. then, paypal charge you another 20 when you get paid, SC AMMERS, I wont EVER be using this again after 10 10 years, the sooner they fall on their ++++ the better as far as I'm concerbed. !!

    • anonymous 5 years ago

      Absolutely right. Ebay are greedy. They seem to forget that it is the seller who pays their fees and not the buyer. Isn't it just wonderful (I'm being sarcastic here) that eBay can charge us a percentage of postage charges yet we're not allowed to charge what we like for handling. Royal Mail can charge extortionate amounts and so can eBay but eBay sellers have to bow down to eBay rules and regulations and basically be fleeced. For example, Royal Mail will charge £8.00 if you buy an item from overseas and you are unlucky enough to get charged Import Tax. For this, Royal Mail have had to do absolutely nothing except pay in advance for you and possibly a little bit of admin. Can you imagine what eBay would do to their sellers if sellers put £8.00 on their handling fees for wrapping up, looking for boxes, getting packaging and lugging it to a post office which could be miles away as all the little post offices seem to be closing down. (Not that I would ever charge £8.00 for that but Royal Mail do) It seems as if big companies can do what they want yet little people have to tow the line. I say "Buyers go to the smaller auction sites like eBid". They don't put the pressure on sellers to lose money so sellers can sell at lower starting prices. That way, you know you're getting a fairer deal. After all, eBay might like buyers to think they are acting for them, but in reality they are only acting for themselves. They know that buyers will incorporate charges in their listings so eBay will get more of a rake off in the long run.

    • AJ 5 years ago from Australia

      I am so pleased to come across this lens. I have found out I am not alone!

    • anonymous 5 years ago

      Too bad their new policy downgrading their sellers who don't turn items around within one day of order will result in the consumption of more fuel in trips to post offices and also a penalization of their disabled and part-time sellers who need the time to get orders out. I have lost years of work because of this as I can no longer compete in their market place as a low volume seller of quality hand made items. Despite years of work and 100% feedback, they don't want me any more in order to serve their stockholders and people in need of "instant gratification."

    • anonymous 5 years ago

      yes, very agreed very much.

    • anonymous 5 years ago

      My husband had years worth of positive reviews - one bad review from a buyer who straight out lied now has us locked down on fund availability and he lost preferred seller status. We wrote ebay with a detailed description of how her statements on feedback did not match the documented facts - got back an automated email saying to call them. Their option for disputing a buyer feedback does not include being able to prove the buyer lied. Buyer has to swear or threaten - apparently lies are okay. Its really screwy, and were there another viable option, we would go with it. Eventually there will be - the big mistake businesses with a monopoly always make. They get so powerful they think they can get away with anything, then a good competitor comes along and gives them some competition. Ebay really just needs good competition.

    • anonymous 5 years ago

      I too have been using Ebay for many years and have had several unpleasant issues such as being totally defrauded by a seller and I had to eat $550. Yes the fees are passing sensible levels,but, lets keep in mind where we are and the driving business creedo in our country "screw everyone you can for as much as you can" it is just good Capitalism, it is what our great nation is founded on after all. Our generation has to deal with Corporations gone wild and competing for as much of our money as possible with little resistance from the "purchased" legislators.

    • anonymous 6 years ago

      You forgot to mention payment holds for up to 21 days. I had 1 bad feedback and ebay or paypal put payment holds on. 35 days later when there was £500 in the account they lifted the payment hold. I then withdrew to my bank and 7 days later I am back in the payment clamp. Seems they want to punish you for using your money and not leaving it to make money for them. I to want to migrate to a less greedy site. We all need to do this en-block. We need only one place to market our goods otherwise it will not work. That is why ebay is so good it has no competition it is a virtual monopoly.

      We all need to move together to a new site and hope they dont get greedy. I am sure if we all like minded people pooled our money with a national advertising campaign we could kill ebay overnight. Now would'nt that be satisfying.

    • BlueDunDan 6 years ago

      darn right is darn right, i could rant on about fee-bay for hours.

    • blessedmomto7 6 years ago

      I agree. I occasionally dabble in selling things on ebay, but after not selling for a while, I noticed the fee on shipping. I usually charge exact shipping, but now will be raising shipping fees which in turn cuts down sales for the little guy like me. I guess I'll just be donating those little things for a tax break instead of ebaying them.

    • ClinicallySigni 6 years ago

      Yes. Unfortunately I feel ebay's constantly increasing existing fees and new fees are becoming overwhelming for small sellers. Smaller sellers generally like to keep prices low to drive sales and keep buyers happy. Losing 17% or more of already slim profits to ebay fees doesn't leave much meat on the bone for many ebay sellers.

      I fear if ebay keeps making fee changes it will drive most smaller sellers right out of business. It simply doesn't make sense to be forced to jump through all the additional hoops ebay's policies makes sellers jump through to please buyers. We honest sellers work our butts off to provide fast shipping, fair prices, and great customer service. We continue to work harder for less profit and less recourse for those rare buyers who simply won't be pleased with anything less than keeping an item without paying for it.

      I truly hope ebay listens to the voice of the majority and starts making changes to fees that benefit both large and small sellers while still allowing ebay to enjoy a profit.

    No way, Monkeybrain! I don't have a problem with ebay's current fees.

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      • anonymous 5 years ago

        Ebay only works if you sell items for at least $9.99 and average more than $7 profit per item. Anything less is not worth your time at all.

        Business everywhere is constantly changing and fee increases are part of life.

        If you sold on your own website you would pay advertising fees; if you sell at a tradeshow or flea market you have to pay a fee to sell there.

        eBay trains you on how the REAL business world runs...you always have to pay somebody more later.

      What's YOUR Opinion About Ebay's Policies? - Are ebay policies too biased and one sided?

      Do you think ebay's policies are too biased toward "protecting" buyers. Does ebay favor the buyer too much? Whatever your opinion is please share it (cleanly) below. You don't even need to be a Squidoo member..just leave your vote and your opinion below.

      Are Ebay's Policies Too Buyer Friendly and Too Harsh on the Seller?

      Oh Yeah!

      Oh Yeah!

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        • anonymous 3 years ago

          I have been selling on Ebay for almost 2 years..I am a mom selling new and used childrens clothes and am an honest seller. I work very hard and make minimal profit. Ebay's policies totally protect the buyers, even scammers, allowing them to leave unfair negative feedback that EBAY is then unable to remove, no matter what the circumstance! But sellers are never allowed to leave negative feedback even if someone bidded up an item and never paid. It is VERY hard to get customer service and reach a live person. We have to pay Ebay fees on SHIPPING costs!! so either charge the buyer higher shipping cost and risk negative feedback or pay for shipping out of our pockets. If you try to save a little on fees by accepting returns buyers can totally abuse the return policy with frivolous returns. If you ship economically to an international country that does not offer shipping insurance a buyer can claim that they didn't receive an item, even if they did! and they can get an automatic refund. Small sellers are constantly penalized and never protected. There is a very one sided bias toward buyers. I have become so demoralized and angry that I am slowly selling off inventory and will find another way to try to earn money for my family. Ebay has become a HOSTILE environment for small sellers.

        • anonymous 4 years ago

          Why doesn't everyone just pick a date to pull all your items for a day,a few days a week maybe and move them to another site.A sellers strike of sorts. With the promise notice of more to come. Anyone out there with connections? I'm sure we could raise funds anonymously for advertising from competitors everywhere. I learned a long time ago that on line shoppers much like air,water and oil take the path of least resistance,and once rerouted it takes a lot to bring them back.

        • anonymous 4 years ago

          Definitely. I had negative feedback from a seller which contained 100% lies (saying they never received a product), and even furnished EBay with delivery documentation from the USPS to prove they were lying but Ebay couldn't care less. As long as no threats are made, they are not interested in honesty in feeback. But of course, you can't even leave negative feedback for the Buyer to warn others - only positive. Not exactly a level playing field.

          I've also been blatantly lied to by Ebay "customer service" staff - one person even told me things I wanted to hear just to get me off the phone and then I found out later they had typed up the exact opposite in their report and they denied everything. Wow. Maybe I'm just niaive but I'm not used to business in the gutter like that.

        • AJ 5 years ago from Australia

          eBay policies are ridiculously in favour of the buyer with little if any recourse for the seller in disputes.

        • anonymous 5 years ago

          Yes, they very much are. It is quite obvious they favor the buyer and ignore the seller for the most part, unless of course they're raising fees for the latter and adding new ones. We all know everyone has to make a profit in order for business to run smoothly but as far as eBay is concerned the only ones who should be making the real profits are themselves. I remember when this site used to be very user friendly for both parties and you could buy something with ease or sell something for a small fee and that was the end of it. Like most other businesses these days they are simply become overrun with greed and are trying to get to the point where their profit yields them everything while the actual seller is lucky to even break even. It's a shame and complete crap but considering eBay arguably as a monopoly on this kind of thing they can pretty much do whatever they want and get away with it. Amazon and craigslist are the only real alternatives and neither are true competitors with them.

        • BlueDunDan 6 years ago

          ya have to take care of the buyers, but you should take care of the QUALITY sellers as well.

        • BlueDunDan 6 years ago

          way to harsh on sellers. i am an honest guy and honest seller. fee-bay just gives away my stuff and my money. i know there are some sellers that are not as honest in their sales but punish them not me!

        • blessedmomto7 6 years ago

          Definitely favor the buyer.

        • ClinicallySigni 6 years ago

          Absolutely. I tried to ignore the fact the ebay took away the seller's right to leave negative feedback. I tried to see the reasoning behind why this benefited the whole marketplace. I suppose it was supposed to end the possibility of sellers using negative feedback as a retaliation for any negative feedback left by a buyer. In the end all the aforementioned policy change did was result in buyers using negative feedback and detailed seller ratings to hold sellers hostage and manipulate and abuse the feedback system. In my opinion that policy change did more harm than good for everyone involved.

          Since then things have only gotten worse for sellers. Ebay continually makes policy changes that seem to be very buyer biased. I definitely see the importance of protecting buyers, but it shouldn't be at the cost of alienating sellers and leaving them utterly helpless to defend themselves against malicious buyers.

          Hopefully I'm not alone and ebay will see, not matter what their original intentions were, that they've simply created a one sided market place that in the end ultimately creates a less trustworthy and less profitable environment for everyone involved.

        Nah...I think there is a level playing field for both buyers and sellers on ebay.

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          Just a Word of Caution and Please Read the Disclaimer/Terms of Use section at the Bottom of the Page before Continuing or Posting!
          Just a Word of Caution and Please Read the Disclaimer/Terms of Use section at the Bottom of the Page before Continuing or Posting!

          A Quick Word About this Lens

          I started this Squidoo lens to create an area where squidooers, ebay members and the general public alike can all voice their opinion on ebay. This is NOT intended to be an "ebay sucks" lens or a hostile environment where we do nothing but unproductive bashing of ebay and each other. There is a fine line between expressing your opinion and libel or defamation. If you hold a negative opinion of ebay by all means express it. I just ask that you do it maturely, tastefully, and without offensive language or other questionable behavior.

          I still love ebay and overall I enjoy being an ebay seller. Unfortunately I keep watching ebay drift further and further from what it used to be, what it could be, and what it SHOULD be. Although it's probably naïve, I'm hoping we can all tastefully and respectfully voice our opinion of ebay and create a voice that the ebay powers that be will listen to.

          Remember, whether you have a positive or negative opinion of ebay's fees and policies we want to hear about it here. Just have respect for one another and exercise good common sense. The ultimate goal is not drag any one individual or company through the mud but rather to convince ebay and others there need to be changes in the opposite direction from the way the company has been headed.

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