PayPal has ruled in my favor on the necklace. I got the email yesterday:
We have concluded our investigation into your case and have decided in your favor.
You have indicated that a partial refund of $31.42 USD would be satisfactory.
If the seller's account has insufficient funds to complete the refund owed to you, please be assured that we will take appropriate action against the seller's account, which may include limitation of the seller's account privileges.
No further action is required by you at this time.
So, I'm waiting for the refund ("partial" because she had already refunded the shipping charges because it took her several weeks to get around to mailing it).
She currently has 130+ items listed, all "Buy-It-Now" with "Immediate Payment Required" through PayPal, so I know she has the money in her account or will as soon as she sells another item or two, and she won't be allowed to withdraw any until my claim is satisfied. So I'm waiting.
Since mailing the necklace to me, she has not responded to any of my emails, she didn't respond to the PayPal inquiries, and the phone number listed with both eBay and PayPal has been disconnected. I am unable to contact her.
Actually, I didn't want a refund so much as the four missing rings. I said that in my emails to her, and in my PayPal complaint. But now, since I'm getting a full refund, I have a moral dilemma.
I feel guilty having both the necklace and the refund. I feel like I should return the necklace, but I'm not sure the listed address for her is valid. I guess I could write to her, snail mail, and tell her that I'd like to send it back, but need to verify her address. Beyond the moral issue, I've got a feeling she's pissed, and if and when I start selling on eBay, I don't need her or her friends retaliating by doing to me what she perhaps thinks I did to her.