Complaints

This profile includes complaints for Bath & Cabinet Experts's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Bath & Cabinet Experts

  4011 Vincennes Rd Indianapolis, IN 46268-3008

  
• 

  Bath Experts, LLC

  5399 Lancaster Dr Ste 12 Brooklyn Hts, OH 44131

  
• 

  Bath Experts

  3493 E 84th Pl Hobart, IN 46342

  
• 

  Bath Experts LLC

  2221 Plantside Dr Louisville, KY 40299

  
• 

  Bath Experts Columbus, LLC

  3341 Centerpoint Dr Ste D Urbancrest, OH 43123

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:07/18/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Attached are pictures of the shower enclosure that was installed by bath experts located in **********, ****. I was told they were locally owned and operated but their office front seems to be a facade. The salesperson advised the glass doors would extend to the wall enclosures vs. being inset as seen in the pictures. The result is a width of the shower pan and door inlay is 3" inches narrower than expected. You can see the floor trim where it stops from the tub being removed and where the pan should extend too, but because the pan was ordered incorrectly it's not lining up the way we expected it to. Also, the installers were very messing and cursed the entire time, as well as having issues with the plumbing installation due to the design. We reached out to our salesperson and called to customer service number that week and left messages, but no one returned our call. It wasn't until weeks later after I advised the construction finance company of the issues, and they placed a hold on the disbursement that a woman from bath experts called me. We explained the situation and were told we would get a call from **** the area manager. We contacted ***** our salesperson to advise again of the situation and he said he was unavailable in training but would pass the message along. In speaking with the customer service and not connecting with our salesperson or **** we've at an impasse. My concern outside of the poor installation is the warranty and the lack of local presence by this company. I specifically asked ***** when considering the install if their installers are employees and he said yes! However, they appear to be contractors just driving bath experts' vehicles. We would like compensation due to the extremely narrow shower enclosure and the cosmetic imperfections due to the smaller pan resulting in the glass doors being mounted at that a narrower setting. They did not provide a bill when I asked that shows a broken down of labor and materials, yet they give a gross monetary amount and told me all cost are included in a general contractor amount. This wasn't what we expected and when asking customer service, they said we knew this when signing the contract. We explained that is not what we understood because what business would not provide a bill break out of their work, unless they are hiding something. We don't care to have them work on our home anymore because the ******* on site was very unprofessional during the install.

  

  Business Response

  Date: 07/20/2023

  Thank you for bringing *************************** concerns to our attention. 
  
  Bath Experts installed exactly what was listed on the ********** agreement. 

  
  During the point of sale, their salesperson discussed the size of their shower pan with them, he expressed his concerns in reference to a larger shower pan and the limited space that they had available. The Morriseys agreed to the size of their shower pan and signed off on their contract.

  
  The **************** Team began speaking to the Morriseys two days after their installation, which was on June 7, 2023. The **************** Team spoke to the ********** several times after that, they also spoke to their salesperson, our Sales and Operations Manager, and the installer that installed their shower. ****, which is the Operations Manager for ********, sent the ********** text messages and called them multiple times and did not receive a response. Bath Experts thoroughly communicated with the Morriseys in a timely manner. 

  
  ****, offered to go to the ********** home after service call hours to fix any concerns that they informed us that they had. *** advised that she decided that she did not want **** to fix any of their concerns, and she did not want her shower door potentially adjusted to possibly give them more showering space.  

  
  Bath Experts has offices in many locations across *******/**** that are locally owned and operated.  Our team is made up of employees only, not subcontractors.  

  
  We provide our customers with a contract that lists the type of base that they will have installed, the dimensions, the wall system, all fixtures that will be installed, accessories, seating, and the type of door that was chosen. We then list the total amount of the contract and the form of payment for the job.
  
  Bath Experts overall has been more than accommodating, therefore, we will not agree to issuing a discount due to no wrong doings on our part.

  If any of our customers need a service call, they can reach out to our **************** Department for a service call at ************.

  
  Thank you! 

  Customer Answer

  Date: 07/21/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed are in their favor. 
  

  The sales person did not advise that my trim would not meet the floor plan and the floor pan would be narrower than the wall enclosures. The sales person seemed to be inexperienced, and due to their limited nature of their paperwork, they did not have good installation identification presented to us as consumers. It did not show a diagram with specific feet and inches showing how the install would look in the suggested dimensions. If they had provided a more sophisticated overview of the project, we may have been able to determine what we were being sold wasnt what we expected. But because theyre very limited paperwork which you can obtain outside of the contract was not consumer appropriate at all. Given the problems were now having with the install.  This is not a professional installation that would cost $15,000. Theyre using the excuse that thats what we excepted because of their generalities of their paperwork.  The picture attached clearly shows a portion of the unprofessional installation. They indicated multiple attempts and communication which was weeks after our initial outreach to them, and felt that they were not interacting the way that we expected because of their non-local presence, so we chose to file a complaint in order to have our concerns addressed.  We would like a floor pan that would meet the edge of the enclosure which meets the trim with the doors set appropriately at that edge or compensation for the installation that we now have to live with. 
  
  As indicated in their response, they do not have any consideration for consumers concerns only defending what they felt they did correctly. Not consumer friendly at all.
  Regards,
  
  ***********************

  
  

  

  Business Response

  Date: 07/25/2023

  Thank you for informing us of ********;********** concerns. 

  At Bath Experts, we ensure that all of our sales personnel are fully trained, and undergo continuous sales training throughout their career with Bath Experts. 

  The ********** had one of our tenured salesmen come to their home, and go through his presentation with them.

  The ********** signed their contract on March 13, 2023.

  Their salesman emailed a copy of the ********** contract to them on March 13, 2023.
  
  Their salesman utilized the following email address: ************************. 

  The ********** shower was installed on June 6th, 2023.

  If the Morriseys had any questions regarding their agreement, they could have certainly expressed their concerns between March and June. That did not occur. 
  
  Mr. and Mrs. Morrisey signed their installation completion paperwork once our Installers completed their installation on June 6, 2023. 
  
  On June 9th, 2023, Bath Experts employees began attempting to resolve the concerns brought to their attention, by *******

  Multiple employees from Bath Experts attempted to contact ********;Morrisey to resolve their installation concerns. 

  The Morriseys have withheld their full payment to Bath Experts for a completed project. Although Bath Experts has not received payment for the work that we did, we have still attempted to resolve any of the concerns brought to our attention by ******* 

  *** canceled her service appointment with the Columbus Operations Manager and did not respond to multiple voicemails and text messages. 

  Due to Bath Experts installing exactly what is listed on the ********** contract, and attempting to resolve their installation concerns, we will not discount our mutually agreed upon contract with Mr. and Mrs. ********. If any of our customers need a service call, they can reach out to our *************************** for a service call at ************.
  
  Thank you!

• Initial Complaint

  Date:07/13/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a flyer from them in the mail today and I want to know where they got my information from! I have lived at this address for less than 3 months and I find it disturbing that they have manged to send me UNSOLICITED offers to my home! I want to know where they got this information and IF THEY PAID FOR IT, I want to know how much was paid to obtain something that, I feel, is none of their business and I don't want to do business with them simply because of this SHADY way of gleaming someone's PRIVATE INFORMATION!

  

  Business Response

  Date: 07/20/2023

  Thank you so much for making us aware of ********************** concerns. 

  I reached out to ****************** by phone and I sent him a text message asking if he would be so kind to send us a photo of the advertisement that he mentioned. 

  Once we receive a copy of the advertisement, we will investigate its origins and we will be more than happy to remove him from our marketing list. 

  Thank you so much for your corporation. 

   

   

   

  Customer Answer

  Date: 07/21/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 
  

  THEY HAVE NOT CONTACT ME IN ANY WAY, SHAPE, OR FORM OF MODERN COMMUNICATION~!   THEY'RE LYING TO YOU TO COVER THEIR ***** BECAUSE THEY KNOW EXACTLY, WHERE, WHEN AND HOW THEY PURCHASED MY PERSONAL INFORMATION WITHOUT MY PERMISSION~

  Regards,
  
  ********************************
  

• Initial Complaint

  Date:03/01/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Called Bath Experts from seeing Commercial in November 2022 Sales Lady *** came out saw bath room that had Tub and not a shower originally She showed me what they would do build Two walls and there would be space between a Glass brick wall which separated Toilet from Tub that wall would leave space for shelving and the other Wall by Window and where Plumming from Bath Tub was Next I picked out wall look and shower accessories Was told they would tear walls to studs and take asbestos out if any and this would cost 15 thousand and I said No for one shower then she reduced to 11 thousand and reiterating asbestos removals because my home was older I thought ok if all of this is done But they came and Moved tub built one wall and used my Glass block wall as other wall instead of building wall so there would be room for selves as we decided on Now saying theres room on Window side for selves Not our agreement but since Contract ended up saying one wall not Two The Shower itself is Nice but they left Hole in Floor where Tub pipes where but if they had built other Wall as we Talked about that would have moved Shower over closer two window then Shower pan and wall near window would have covered And since Glass Block wall was not wall originally supposed to be used shower Rod had to be put up extra high and Slips I called to complain of all of this they said Contract says one Wall and they will come back to fix holes and bring longer Shower rod but thats it and they dont know what sales Person said but they went by fixtures and other things she said But She just hustle s Cluents Makes sound really hard job and its not and Not what they Said when at My Home No reduction in price for not Building second Wall and There was no Removal of Asbestos So you pay for this and if not needed No Price Reduction Very Unsatisfactory Sham

  

  Business Response

  Date: 03/03/2023

  Thank you for reaching out to us regarding our customer, ************************  We strive to make our customers' experiences outstanding from start to finish, and I'm sorry to hear about your frustrations.  Our team has reviewed your contract and confirmed we have installed everything that was ordered/agreed upon at the time of sale.  There is no justification for any billing adjustments.  Our service team has also confirmed that we offered to return to the home to address minor issues, but that offer was unfortunately refused.  Should you be interested in scheduling that service visit, our team is available at ************.    

• Initial Complaint

  Date:01/31/2023

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to express my extreme dissatisfaction with the installation of my shower that was contracted with your company on August 17th, 2022. Despite being told by ********************* that the installation would be completed by the end of November 2022 or the beginning of December 2022, I am still without a functioning shower.On December 27th, 2022, Salvador came to start the installation but was unable to complete it due to a valve that he claimed was old and he didn't want to break. Your company asked us to get the valve turned by a plumber and promised to come back, but this was not the case. We had to hire ********************************* Plumbing to turn the valve, and it was found that the valve was not old and the installer simply had to turn it off with channel locks.On January 24th, 2023, ****** came to continue the installation but only installed 1/4 of it and left without informing us that he had broken the valve off. We had to pay ********************************* Plumbing again to turn the water off and had to call Citizens Water and Gas to cut it off from the street so the work could be completed.On January 30th, 2023, ***** finally started to install the shower, but broke a hot water line to the shower behind the wall, causing a leak. Your company stated that they would not replace the valve they broke, did not clean up after themselves, and do not have licensed plumbers on their staff. I demand satisfaction for the inconvenience, frustration, and expenses incurred as a result of the poor service and unprofessionalism of your company.

  

  Business Response

  Date: 02/03/2023

  Thank you for reaching out to us on behalf of our customer, ****************************  Our team takes concerns like this seriously and are working with the homeowner to resolve this situation as soon as possible.  We have spoken with the homeowner multiple times this week and have been onsite at the customer's house to address remaining issues.  We are still working with the homeowners to address outstanding issues.  We work hard to ensure that homeowners have the best possible experience, and our team is working diligently to resolve outstanding concerns.   
  

  Customer Answer

  Date: 02/04/2023

  Better Business Bureau:

  I have reviewed the response made by the business in reference to complaint ID ********. 

  
  Thank you for reaching out and addressing our concerns. While we appreciate the follow-up, we would like to request that ********, ******, and ***** not be sent to our residence again. These three individuals have caused more issues than they have resolved.
  

  However, we would be willing to accept *** as a potential solution to complete the job if necessary. We look forward to a resolution to this matter and would appreciate a different team to be assigned to our home in the future.

  Adding a note: *The inconvenience caused by the multiple failed attempts to complete the installation. We expect fair compensation for the additional expenses and trouble caused by the previous crew's mistakes and lack of professionalism. Thank you for your prompt attention to this matter and thank you for your cooperation.

   

  Regards,

  ***************************

  

  Business Response

  Date: 02/10/2023

  Our team continues to work with this homeowner to resolve outstanding issues.  There is still work to be done, however our team is in contact with them and working toward a resolution.
  Thank you,

  Customer Answer

  Date: 02/15/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and the complain will remain open until completion. The staff at Bath Experts has been in communication and once this is completed and all work and invoices covered the complaint will then be deemed satisfied.  
  
  [Please see attached invoices.]
  
  Regards,
  
  ***************************
  

  

  Business Response

  Date: 03/28/2023

  Our team is returning to the customer's home on 4/4/23 to resolve any outstanding concerns.  The homeowner is aware.  

  Thank you,

• Initial Complaint

  Date:01/10/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Bath Experts sales rep ********** came to my home on 10/17/22 and showed me a video on his iPad of what his company could do to remodel my tub and shower. He verified my home was built in **** and looked at my existing tub/shower, took measurements, wrote down my choice of tub color, fixtures, and side walls. I paid half down by credit card, and he said installation would take place on 12/16. I wasn't given a copy of the contract--it (21 pages) was emailed to me. I heard nothing so I called the company on 12/15 to see if they were coming the next day. The woman on the phone said I had to pay before they would install. I reminded her I paid on 10/17 and was put on hold. She returned later and said the install would take place on 1/5/23! I complained and was told they were within the ***** weeks described in the contract. [It was **** weeks, so guess she was correct.] The contract says I would be notified before the installers came. At 8:00 AM on 1/5/23 I received a call from Kaleb telling me he would be at my home in 30 minutes to do the installation. I scrambled to be ready. He worked from 8:31 AM until 3:30 PM and then quit. He left my home twice to get supplies from *********** My water to the entire house was off those 7 hours. He turned it back on and said he would be back on Friday. He began work at 9:00 AM and again left my home twice to get supplies. He said the tub the salesman ordered was not the right size and had to call his boss to find out what to do. He left my home at 8:00 PM after turning my water back on--11 more hours with no water in my home. When he left he said he would have to come back on Saturday to finish. We missed engagements on Friday evening and Saturday because he was still working. They advertise "one day or two" but this was three days. He came back at 8:00 AM on Saturday and finished at 10:30 AM. The Install Manager, *****, sent only one worker who admitted he had never done a tub install before! I felt I should get some relief on my bill, but he was not authorized to do that. I refused to pay at the time and asked him to have his boss call me on Monday. No call. I finally called the company around 4:00 PM and got *******, ******, ****** and then was told "NO RELIEF". The job took longer because my house was old and he had to compensate for the wrong sized tub.

  

  Business Response

  Date: 01/13/2023

  Hello ******** - thank you for taking a few minutes to share your experiences. We value all feedback--positive and negative--and use it to better our processes. We strive to make our customers' experiences outstanding from start to finish, and I'm sorry to hear about your frustrations. While we make every effort to complete an installation in as little as one day, there are situations that do require additional time. Our sales and operations team has confirmed that the tub installed in your home was the correct one based on your contract. While we do apologize for the longer than expected installation time, we will not be providing a 10% discount on this project. Thank you again for your feedback.  

  Customer Answer

  Date: 01/13/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 
  
  [Provide details of why you are not satisfied with this resolution.]
  
  Regards,
  
  ***************************

  ************* did the measuring, not me  His error caused the installer more work, not me  The contract was not made available to me the day of my order, nor would I as a homeowner know how wide my tub was. If I had not allowed the installer to work until 8 PM the SECOND day, it would have taken four days. 

  
  

  

  Business Response

  Date: 01/19/2023

  Our team makes every effort to complete installations within one day, however there are times when an installation might take longer.  Our focus is on completing the job right and when we run into unforeseen circumstances after removal of the owner's original tub/shower, the installation timeframe can be extended.  We do apologize for the delay in completion, however we are not providing a 10% discount on this project.  Thank you so much for choosing Bath Experts and if you need any assistance feel free to reach us at ************.

  Customer Answer

  Date: 01/19/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 
  
  [Provide details of why you are not satisfied with this resolution.]
  
  Regards,
  
  ***************************
  

• Initial Complaint

  Date:11/18/2022

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had a scheduled appointment with Bath Experts on 11/2/2022. They called me a day before and said they had to reschedule. Because they were at fault, they told me that they would reduce the price of the installation. I never received an updated invoice from them. They came and did the work on 11/8 and 11/9, but the results were poor. My pipes were leaking and I could not get in touch with them for a while. I also was not able to get in touch with the loan company. They weren't able to come back to my home until 11/18. When they came back to my home, they ********* part of the problem and caused another. When they adjusted the pipes it caused my basement to flood. They are expected to come back on Monday (11/21) to complete the repairs. I do not believe they deserve my money and I don't want to use their loan company. Their loan company is ***** Fargo DBA Divergent. I do not trust ***** Fargo.

  

  Business Response

  Date: 11/24/2022

  Thank you for reaching out to us on behalf of our customer ******************************  Our team takes concerns like this seriously and are working with the homeowner to resolve this situation as soon as possible.  We have spoken with the homeowner multiple times this week and have been onsite at the customer's house to address remaining issues.  We work hard to ensure that homeowners have the best possible experience, and our team is working diligently to resolve outstanding concerns.   

  Customer Answer

  Date: 02/06/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 
  
  [Provide details of why you are not satisfied with this resolution.]

  I had a scheduled appointment with Bath Experts on 11/2/2022. They called me a day before and said they had to reschedule. Because they were at fault, they told me that they would reduce the price of the installation. I never received an updated invoice from them. They came and did the work on 11/8 and 11/9, but the results were poor. My pipes were leaking and I could not get in touch with them for a while. I also was not able to get in touch with the loan company. They weren't able to come back to my home until 11/18. When they came back to my home, they ********* part of the problem and caused another. When they adjusted the pipes it caused my basement to flood. They came back on 11/21 to complete the repairs. I do not believe they deserve my money and I don't want to use their loan company. Their loan company is ***** Fargo DBA Divergent. I do not trust ***** Fargo. Beyond that, *********************, the **************** Manager re-quoted me a price that was more expensive than the original price after telling me she would reduce the price due to the company's unsatisfactory work. Bath Experts has now sent the invoice to my credit agency and the first payment is due by the end of this month. I am at a loss on what I should do considering the fact that I never agreed to these terms especially when my house was damaged on their behalf. Please give me a call at your earliest convenience.

  Desired Outcome:

  Correction to a credit report; Billing adjustment; Explanation of charges

  *****************************

  

  Business Response

  Date: 02/08/2023

  Thank you for reaching out to Bath Experts on behalf of our customer, ******************************  Our team has had the opportunity to speak with ****** and we have mutually agreed to a resolution on her concerns.  If you have any further questions, please let us know.
  
  

• Initial Complaint

  Date:10/21/2022

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  August 21, ****************************************************************************** their quotation and negotiation of a detailed written scope of work surrounding the removal of an existing fiberglass shower enclosure and construction of a handicapped access shower. Specifically the cost of relocating plumbing in accordance with building code to accommodate a shower base, 3 walls and a ceiling (the specific dimensions of which were explicitly described in the signed, dated and witnessed Bath Experts "Order Verification Form". The cost of the hidden plumbing relocation task is a barrier to further agreement. The contract was terminated, stop work issued and a complete refund is now being sought. Copies of signed documents to follow.

  

  Business Response

  Date: 10/24/2022

  Thank you for reaching out to us on behalf of our customer, *********************. This order has been canceled and the refund process began on 10/21/22. We expect he should see that refund the week of 10/24. If you need anything else, please feel free to reach out.

   

  Customer Answer

  Date: 10/25/2022

  Better Business Bureau:

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this response/resolution is satisfactory to me. 
  
  HOWEVER, PLEASE HOLD THIS CLAIM OPEN UNTIL I ACKNOWLEDGE RECEIPT OF FULL REFUND. 

  Regards,

  *************************