As long as you used Paypal you're covered whether it's CC or your bank account. If you don't get your animals you'll just need to start a complaint through the resolution center of Paypal.
Not True at all my friend. i got ripped for $40 a few months ago on this http://www.faunaclassifieds.com/forums/showthread.php?t=147696
when i filed a complaint with paypal the scum bag closed his bank account so paypal couldnt get my refund.
