I used to do it all on my PC with digital camera but now I have a smartphone (andtroid Oppo) I find its really easy to to the basic listing including photos, then tweak later eg rotate photos or whatever. Ive learned sometimes theres just a wee step I didnt know about like a scroll down or something, and you can get the whole thing done easy. Just experiment. Ask teens and 20-somethings. They know all the extra tricks. Trust me, it gets easier :-)

I got scammed via my ANZ visa debit card, several times over several months (I was going through a bad time and so didnt notice as it was relatively small amount each time). I didnt realise I had been scammed until I googled the name of party taking payment out (bank teller suggested). ANZ would not refund the earlier ones but they did refund the last two payments after I filled in form explaining. Wasnt too difficult. Id suggest you give it a go with your bank. Take copies of any paperwork/proof with you of course. Good luck.