In reply to Floatingboater:
> Do I have legal ground to get more than just a refund and my life "luckily".
Oh, grow up.
You bought a cheap second hand harness from eBay, you didn't inspect it, didn't notice there were any issues, and decided of your own volition to use it for climbing. Nothing happened, and the seller owned up and contacted you to offer a full refund. A good chunk of the responsibility of you being "terrified" lands on your feet.
So out of this you come out with your life "luckily", a full refund, and a valuable life lesson to always inspect your kit regardless the provenance and to not be a cheapskate when your or other people's lifes depend on it. You never know, that could save somebody's life in the future.
Post edited at 21:29