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I do a crazy amount of ebay auctions for work, going through old collectibles that have been in storage or doing commissioned auctions for customers, and I have to say this is EXTREMELY common.you have two options:1. (as you already have) Tell her that you are willing to cancel her bids, if she says no, then inform her that you expect her to pay in full if she is to win the auction, and if she does not, file a non-paying bidder report. This may be the best bet to make sure she doesn't scam anyone.2. Just cancel her bids immediately and block her. I am slightly concerned to hear that you have gotten "texts" from her. she has your phone number? or else does this refer to your ebay communications? Don't let sob stories change your mind. If someone is really going on ebay trying to get a gift for poor dying Timmy but are going to beg you to break the rules, they have bigger issues anyways. Selling on eBay is a business and it should be treated as such by all parties involved.
I thought I would add that a common way of getting out of a npb strike is to pay for the item, then claim not as described and return it. Another scenario- she recieves it, claims not as describes then hassles you for a partial refund.Honestly, I would cancel her bids and block.