I had to make a claim a year or so ago for £340, the seller told me he would not give me my money back, even though it said he will accept returns, so I filed a claim, then he said if I remove the claim he will pay me, because his account was now £340 overdrawn & he could not pay me, it took a while but I got my money back. The item was not as described.
So it does not matter if he has money in his account.