I feel for you Glen, I hope you'll eventually get your artwork!
For all of us collectors, next time someone requests a buyer to pay via friends and family, send them a link to this thread, and tell them you'd prefer to have recourse if the art doesn't get shipped for whatever the reason. Think about it, we have a company that will basically make you whole if you run into a bad seller, and all you have to do is pay 4%.
If they wont do the deal without you using friends and family. Ask them to send you the art first and you'll pay them with friends and family after receiving the art ... "No?!? What's the matter don't you trust me?"