I'm having the same exact problem, I like the pay after delivery option and I've used it hundreds of times. It was always available on all ebay purchases, but it disappeared. I don't even have the option of turning it on or off in profile....my money. There is no pay after delivery option there anymore. I spent about 30 minutes with customer service (the debit card department) they gave me several canned responses like you mentioned, then she finally came back and said the "special products and services" department is having problems with p.a.d. . She said when they get it fixed it will be turned on again.
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