Think of ebay as a big fat pig that is never satisfied. The more it eats ,the more it wants.
Sometimes, bidders are real bast##ds and they will not agree to refund so that you get stuck with the fees. Some don't understand. Anyway, if this is what happens in this case, please CALL ebay. KEep calling and eventually someone will agree to refund you . Once you file for the credit of the final value fees, the bidder has 7 days to respond. If they don't respond, you will automatically win .
So you need to file for the credit. IF the person clicks REFUSES TO cancel the deal, then you call Ebay.
Keep calling them. I drove one particular rep crazy . I told them that the more I called, the more money I was going to cost Ebay. I got my refund. It was less than 2bucks but I will spend all day on the phone to prevent ebay from making an extra money out of me...