I used Paypal a few months ago & shortly after closed my account with them as I could never log in to my account. I sent numerous emails to Paypal & did not get one reply. On saying that they were in the middle of upgrading their systems to replace the Billpoint system on Ebay. I do not know much about the charges but I believe it is around 3% to withdraw money to your bank account & can take upto 10 days.
I use Ebay quite a bit now & I use Nochex from click here I find the service fast & not too expensive. They do not charge for somebody to pay you or for you to make a payment from your Nochex account. The fee for withdrawing money to your bank is 99p or 1% whichever is greater & takes a maximum of 3 days. They also have "pay me now"links that you can paste into your auctions. I am sure their are lots of people out there who have had good experiences on Paypal & would call me a whinger! but I find Nochex much more suited to my needs.
Agree entirely with Hoverman, I have used PayPal for well over a year, fast, efficient, secure no problem at all, and no charges of course if you are buying. Never used it as a seller, but know others who do and seem well content with it.