[DrAwesome]

Paying by either cheque or bank transfer once the cheque/money has gone from your account & the seller doesnt complete the transaction you have no way of claiming your money back as the bank will not intervien.

I see by the advert you are going to send the item by Royal Mail 2nd Class Recorded: £3.50 (Recorded items are covered for up to £28 compensation, in the unlikely event of loss or damage) so you will loose out by £4 (item sold at £32.00) it sounds silly but the post office when paying out compensation will always offer you much less than the £28 unless you are prepared to wait weeks for them to settle.