Efficiency have been dealing with PayPal for at least two years. During that time I have requested refunds from companies who's merchandise did not meet my standards. By contacting PayPal, they would give me guidance in solving my problem. They also at the same time stopped payment when applicable, and made things right with me and the sender. I have always got my money back. You can't beat that for efficiency. Of course your claim must be correct, but they do most all the work for you.