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You loose ! it makes no difference while you are holding the tortoise and expect PayPal or the credit card company to accept the chargeback .
Thats why these businesses set up there TOS with making sure you pay for the shipping back. A perfect example is Big Apple Herps. same MO. You certainly can file a claim, but the question will come as to where is the merchandise. While in your possession, its yours. This would even hold true if the items in question came DOA. Claim or no claim.
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