You are so right Dave, I too have never really had any real problems, I like the paypal thing as far as being covered, I have had to claim twice and was happy with the outcome, I tried the MO bit early and yes with the extra bull you have to put up with it's just not worth it, surely your friend would have used a password that was the thing he should be able to remember easily or like me last week, I bought some parts from Atlas recently, you have to login and the password I thought I used wouldn't register the next time I tried, so I reentered my details and the confuser couldn't accept them as that email account was already recorded, please login with the correct password, guess what I resubmitted with my other email address and wrote the password down, I may never need it again but incase I do I have it on paper LOL.
]:)