Does Echeck take my money if i get a seller to cancel the payment?

i won an auction on ebay that was 123 pounds  but i chose the wrong payment as i didnt have any funds in my paypal account  as paypal where keeping my 230 pounds which i earned by selling my stuff which had been sent and delievered. i chose echeck by accident.  the echek payment is marked as uncleared. if i ask the seller to cancel the payment would i lose 130pounds(including postage). please someone help me asap. i cannot just cancel this as it is alot of money and i dont want to use my bank.

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