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From my understanding of this situation this is what I see.
Adam - sent money without getting confirmation that the animal was still available.
Robert - saw the email stating Adam sent money, informed Adam it had been sold, checked PP, money wasn't there to refund, went to bed. In the AM, a bill was scheduled to be payed (regardless if the money was there or not, it would've been paid & bank acct would be in negative); immediately refunded what he could, then said he'd refund the rest in a few days.
Adam - failed a claim with PP & that locked everything down.
Now it is a waiting game.
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