I've only just picked up on this post and would like to say, that after over 28 years as a manufacturer of Model Railway kits and accessories, including a short venture into model boat parts, that I never accept payment until the order is produced, packed and ready to ship. I used to accept credit cards for payment, but these would never be charged until the parcel was packed and ready to go. When I started to wind the business back due to a hand injury, I dropped the cards in favour of PayPal. Just so much easier and safer as well, as mentioned somewhere earlier in this subject. They also have safeguards in place to protect both the customer and supplier, as Ebay also do.
I have seen too many manufacturers/suppliers get into trouble with accepting money up front, then the wheels fall off and you have a situation like the subject of this initial discussion.
I was into model boats long before I fell into manufacturing model railway stuff, and know APS models well. Allan and I go way back and you couldn't meet a nicer bloke! Trouble with Allan is, he likes grey boats and I don't!
Ian.