I voted "No excuse" because that was what I mainly got from buyers or no reply at all.
My favorite excuse though was years ago, before Paypal, I had a college student send me a personal check. I contacted him and told him that his check had bounced. His reply was "I'm a college student and I don't have a lot money" to which I replied "When I turn you in for writing bad checks and mail fraud, your going to be an inmate with no money".
Funny how the payment showed up the next day in an overnight Fedex envelope.
Jantz
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