Thank you for the advice. I have a gut feeling this will not be easy. I have everything in order and in electronic format but I do not have legal representation. While it is a lot of money to me, I don't know if it is enough to warrant legal representation. It is $5500 for the fee and hopefully I can recover part of what I lost which was slightly more than the fee. I know the company has experience as well as legal representation of their own as they have already been fined by the NFA and their attorney submitted their paperwork to the NFA. I do have a very strong money back guarantee but they started early (before the refund was due) with talk that they were not liable etc, that the company that processes their fees was liable. Unfortunately that company has closed their doors. Personally I believe it was all a setup on their part to try and shift some of the responsibility. Their name is the only name on the guarantee though, he personally guaranteed the profitability of the program not a processing company. Do you think legal representation would be best on my part?