I have had 1 charge back in a couple of months and Xcoins was very helpful. Paypal, fortunately, had mercy on me and go a return into the account. I agree that it is a good place to quickly purchase BTC though selling (loaning) does have limitations. The guy that tried to scam me was banned from Xcoins site so some good did come out of it. 1 less crook to deal with.
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