email scams

Just read an article in the Advertiser about email scams and all the "usual suspects" were mentioned.  I have had my share of FedEx, FBI, the dying lady with no next-of-kin, even a speeding ticket from New York City!!! Now all of these are obviously scams and hopefully, would only con the very stupid or very greedy.  What does worry me though, are the ones that at first glance, look genuine.  In the past couple of months I have had one claiming that I owed EBay $19.38.  This is clever, because it is a small amount and people who do a lot a eBay transactions might get caught out.  I didn't fall for this one because the scam email arrived the day after a legit email from eBay telling me that the amount owing on my account was $0.00.  I rang eBay, they asked me to forward the scam email and I was later informed that their fraud dept. had traced the offenders and closed them down.  Then last month, I received one claiming to be from Paypal, telling me that my account has been "limited" because of fraudulent activity with my credit card.  Once again, at first glance it looked OK, but when read a second time, things started to look suspect.  Firstly, the spelling and English grammar was atrocious and secondly, I do not own a credit card, so it could not have been used fraudulently.  Once again, I sent off a copy to paypal "spoof" dept. (twice) but nothing - no acknowledgement, reply or reassurance that things are being looked into and that my account is safe.  I'm assuming it is, but would be nice to have that confirmed, e.businesses owe that to their customers.