115660-12-listing-fee-lost-even-if-it-doesnt-sell

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I'm confused about the whole listing fees, even though I've played the game for 60 days solid in-game time.
 
If I sell an item on the CX, for 100p, and it sells, then I get 88p (12% listing fee). What happens if it doesn't sell? Do I lose 12plat (12%) regardless? Is this money deducted the second I list it?
 
Also, for buying items, is there a buying fee? If so, what is it?	
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			You pay a little bit to list it, but no, the 12% isn't taken away if it doesn't sell. There is a fee for buying, and it's also ~12%. xD	
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It's a bit confusing, cause you got AH, CX with stock & orders.
 
From what I can tell, there's not usually a 'listing fee' except AH?
 
There's def a 'selling fee', tho it seems on some things they 'double dip' and have selling & buying fee. (Like CREDD vendor, which seems a bit of a rude gold sink, that's almost quarter the gold per trans)	
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