So tried to bid on some clothes for the dcs and was advised I wasn't able to as had two or more non paying strikes 
news to me!
Anyway had a look at the resolution centre and have had 3 in just over 12 months. All had been collection so paid in cash and I still have and use.
Called eBay and they have immediately agreed to reverse them so I think it is a common issue. although offering photos with today's newspaper may have helped
Please regularly check, I will be.