sounds like a good mate ? erm not !
and dependant on how much your need is, will govern how hard you push for repayment !
as you have asked for peoples opinion !
as for the money back strate and simple!

__________________
The angel said unto me,
you will follow pathways that leed you nowhere,
but one day your pathway will merge with another,that will be true to you and bring you much happiness in your life and within your heart,seek and thou shalt find,
and with that the angel was gone,