I bid and won a banjo online recently. the seller asked if I could pay by cheque, and I did.

The banjo arrived today via DHL - opened the case and it was in two bits. Neck had snapped off. Basically it hadn't been sufficiently well packed and DHL, the courier the seller used, are unlikely to pay up. He didn't pay for any insurance.

I've asked the seller for a refund, offering to send it back first. He's saying a flat no, hasn't even apologised. He's saying he packed it fine, it's not his fault. But the thing was just in its leather case wrapped in brown paper - no cushioning, no padding, no nothing. I've had books from Amazon that were better protected.

Anyway, obviously I'm reporting it to the eBay resolution centre and going to give him massively negative feedback.

But what are the chances of me getting my money back? Any tips? We're talking £325 here. Anyone got any experiences of eBay Resolution centre?
(For one thing, I'm going to ask WTF that £25 postage bought me!!)

Beyond eBay, are there any other things I could have recourse to? Any legal advice anyone could give me?