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  Kurt's Polaris, Inc.

  2904 W Broadway St Missoula, MT 59808-1619

• 

  Kurt's Polaris, Inc.

  2400 A HWY 93 SO KALISPELL, MT 59901

• 

  Kurt's Polaris, Inc.

  PO Box 532 Seeley Lake, MT 59868

• 

  Kurt's Polaris, Inc.

  PO Box 357 3181 Hwy 83 Seeley Lake, MT 59868-0357

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:04/09/2025

  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.

  **** offered to help me by selling my 2022 Polaris Ranger in mint condition and picked it up on 9/17/24. On 10/1/24 I inquired and found out that he had actually sold my vehicle on 9/28/24 for $28,000? I provided **** with the 10-day payoff information from *******************. On 10/2/24, after giving **** notarized title he stated that typical commission was 10% but to talk to ****. 10/2/24 was the 1st time I was informed of 10% commission and after my vehicle had been sold! I spoke with **** on 10/2/24 and he stated he only had to wash the Polaris and put 1 pin in the snowplow so I would not be charged 10%. I was shocked when I went to pick up check from **** on 10/15/24 and he had taken $2,800! **** provided following breakdown per text dated 10/15/24: "Unit sold for $28,000 minus 10% ($2800) leaves $25,200. The 10-day payoff we got on the 9th of Oct was $24,141.53 that left $1,058.47". I am requesting a check for $2,800 for the following reasons: I was never told that a 10% commission would be deducted from the sale of my vehicle, I was deceived as it was not disclosed nor would I ever agree to 10% commission; **** understood that I am a widowed senior citizen women on a limited budget and took advantage; I was never informed of sale of vehicle, let alone if I accepted it; I was told to provide notarized title to vehicle only to be told about 10% commission after they had title.**** took $2,800 for washing my vehicle and putting a pin in a snowplow. **** misled me and took advantage during a time I was severely stressed, due to losing my income, numerous medical bills and the tremendous loss of my first ********* born ******** excellent credit has been negatively impacted and I have been told nothing can be done. Kurts Polaris delay in getting check to ********* until 10/24/24 (way after deadlines required by law) ruined my credit & caused severe financial hardship. **** has not responded back to repeated inquires from me to discuss.

  Business Response

  Date: 04/22/2025

  I am in receipt of your letter dated April 9, 2025 (which I received April 19, 2025). The letter is
  regarding ******** ***** and a complaint she has leveled against my business (Kurts Polaris, Inc.)
  of *****************, ******* and is referenced by the BBB Complaint ID ********.
  

  In this complaint ******** is essentially claiming that I/we took advantage of her, didnt
  communicate clearly, and charged her $2,800.00 more than what she expected for our services and
  therefore she is asking for a refund of that amount$2,800.00
  

  She also states that I/we knew she was a widowed senior citizen on a limited budget who was
  severely stressed due to various personal/health/loss of life related issues and therefore as a result
  I/we elected to take advantage of her.
  

  To that I would begin my reply with letting you know that ******** is correct about our knowledge of
  her personal circumstances (dire financial straits, and in need of some help and kindness), and
  because of our awareness of these special circumstances we did for ******** what we normally
  dont do for others. Namely, we offered to market, sell, and handle all the legal paperwork required
  for a successful sale to include bank payoffs and title work, lien release and assignments etc. for a
  10% fee as opposed to our standard fee for such services which is 15%.
  

  We also (me personally) drove to her home after hours (as she was unable to be there for pick up
  during normal business hours) and picked up her unit and brought it back to our dealership so that
  we could assist her in this sales processall of which was done for her at no cost to her. We
  normally charge a pickup and delivery fee which is based on our shop rate of $155.00 per hour with
  a one-hour minimum charge (for local deliveries/pick-***** Considering she lives a one hour round
  trip distance away from our shop and considering it was necessary to do an after-hour pickup our
  normal rate on that sort of pick up would be a two hour minimum at $155.00 per hour or $310.00
  total.
  

  We also provide mechanical assistance to vehicles we receive in for a consignment type sale and
  that work too is always billed out at our standard shop rate of $155.00 per hour plus cost for any
  parts required. We cannot sell a vehicle if work is required to make it safe or functional. We told
  ******** we would also work with her on this end as well and we didwe put a shear pin in the plow
  at our cost ($20 for the part) and didnt charge her any labor for checking it out and doing the repair,
  the cost of which would have been approximately $100.00 for parts and labor required to make the
  repair.
  

  Lastly, when we first spoke with ******** about the value of her rig (as iswith plow) we told her
  that market would indicate that it was worth between $26,000.00 and $28,000.00 dollars and our
  thought was to list for $28,000.00 and be prepared to take $26,000.00 with a fairly decent hope for
  getting $27,000.00 out of it. We ended up getting $28,000.00 which earned ******** $1,000.00 or
  more as a result of our e??orts.
  

  To financially summarize my reply thus far I would point out that as a direct result of our intentions
  to do well by ******** (like we try to do for all our customers) we saved her a considerable amount
  of money in the process of helping her sell her vehicle as we were asked to do for herby her. The
  financial savings from the discounted consignment fee of 15% to 10% are $1,400.00 that we passed
  on to her. Not charging her for an hour after pick up saved her $310.00. Not charging her for the
  parts and labor required to make her vehicle safe and operational (and therefore sellable) was
  $100.00 and the money earned/saved her by utilizing our expertise and connections to gain her a
  full price sale o??er of $28,000.00 means that at least $1,000.00 more went into her pocket than
  what might have otherwise.
  

  All tallied up, we have saved and or earned ******** an additional $2,810.00 more than she would
  have if we hadnt elected to try to be extra kind and sensitive to her needs and limitations. We
  saw an opportunity to help a person in need and that is what we did, and we did so at a discounted
  rate in part due to her situation and the hardships and difficulties she found herself in at the time.
  ******** states in her complaint that she was severely stressed and doesnt recall us telling her
  about certain fees or how things would work or what we would/could do and how much we charge
  etc. Please allow me to address that in the following manner.
  

  We routinely assist customers in selling their units on consignment. We handle every consignment
  sale the same way. We provide all the explanations and perimeters of the transaction the same
  regardless of the customer. Every single customer gets the same (explanation as to how a
  consignment sale workswhat we do, how we charge and how the process will flowevery single
  one). ******** claims we didnt do this for her. That we elected to NOT do what we always do
  (routinely as a matter of practice) as it related to her sale, because we saw her as a widowed senior
  citizen on a limited budget who was emotionally heartbroken and disadvantaged, and therefore we
  saw her as an opportunity to exploit and as a result we took advantage.
  

  Is that what you really think happened? Or do you think perhaps Sharlenes recollection of
  what she was told or wasnt told is perhaps a bit cloudy in part due to her admitted stress levels at
  the time and perhaps has also been unduly influenced by her dire financial situation and what her
  personal expectations were, versus the reality of her situation as it ended up?
  

  I have been in business in a small town (where word travels fast, and negative gossip
  travels even faster) for 36 years and my business has and continues to grow (thankfully) every single
  year. Do you really think that would be possible if I treated my customers as ******** has claimed?
  The answer is obviously NOT. In fact, I have built my business on selling good products, standing
  behind what I sell, and by offering exceptional customer service, putting my customers FIRST. My
  business growth and longevity are proof of this.
  

  ******** states in her complaint that I did not respond to her (at the end) and she is right about
  that. I stopped responding to her and I have no intention of doing business with her ever again. I
  bent over backwards to do the right thing by her, and to help her out of the difficult situation she
  found herself in. I (and my team) were not only successful in our e??orts to help her out by getting
  her vehicle picked up, serviced and sold, but we did so at a loss in revenue of $2,810.00 to us which
  ironically is just over what she is claiming she wants as a refund amount or Claim Settlement
  amount.
  

  As you might imagine if you were in my shoes, there comes a point where ongoing communication
  with a person is just not productive, and you need to realize that some folks have more issues than
  what any of us can help with. My team and I did everything we could do to help ********, and to do
  so at significant savings to her, and as a result of those altruistic efforts on our part, she files a
  complaint against us with your agency.
  

  With that I will simply say, we have done all we can do for ********, and frankly all we will do for her.
  If your agency is truly interested in being an objective advocate of consumer rights and better
  business practices then you must recognize that to rule against us or take any action as an agency
  against us after all we have done for this customer (at a loss of revenue to ourselves for her sake)
  would be to make a mockery of all that your agency should rightfully stand for, and I am sure in my
  mind that you can see through this veiled attempt at extracting money from me by ******** as she
  is perhaps even more desperate for money than even we originally determined.
  

  I look forward to your reply and to getting this matter and my reputation cleaned up and rightfully
  restored to where it deserves to be.
  

  Sincerely,
  

  ****** S. ******

  Customer Answer

  Date: 04/23/2025

   
  Complaint: 23180180
  
  I am rejecting this response because:

  As stated in my complaint, I was never informed of 10% commission - until **** had my notarized title in hand and **** mentioned typical fee is 10%.  I have text messages from **** asking if he could pick up my Polaris - I asked him to reschedule as I was at work and not convenient - he insisted on driving out and picking it up.  Most probably because he already had a customer lined up - as my vehicle was never even listed on website per **** - and was sold immediately for $28,000.  Interestingly enough, he mentions the snowplow - which was not to be included in $28,000.  As you can see by his response, **** now mentions many various charges that were never mentioned previously.  Interestingly, the bank that notarized Polaris title stated that typically business provides breakdown on charges and proves payoff - **** did not provide this information.  In retrospect, I now know why bank questioned business transaction.  I had never sold a vehicle, trusted ****, and was completely taken advantage of and blindsided.

  To summarize, I NEVER was told or agreed to a 10% commission on the $28,000 sale of my Polaris; cannot imagine why **** thinks he was entitled to take $2,800 for: driving to ****** and back to ***************** (total of 46 miles round trip), washing Polaris and putting pin in snowplow?  I have been making $763 payments on vehicle for over 2 years, he sells my vehicle and takes $2,800 for himself (without telling me) and gives me $1,000 - how is that remotely equitable and who would ever agree to that - I certainly did NOT!

  ***************** is a small town and contrary to what **** states,  I have heard from other customers about unfair business practices - and he does have negative reviews online as well.  I do not see any positive reviews from females.  I am not going to be taken advantage of by Kurts Polaris.  I am willing to pay **** only what we he said he would charge - travel to/from ****** to pick up Polaris and 1 hour to wash vehicle and put pin in snowplow.  The customer pays the titling fees - not the seller - so interesting he feels I should pay those too.

  Additionally, he damaged my credit and is not the least concerned.  His failure to payoff the Polaris within the timeline required by law was between ***** days.  **** did not pay off my Polaris until 26 DAYS AFTER HE RECEIVED MONEY FROM CUSTOMER - well after timeline required by law!

  Lastly, I am insulted that **** would accuse me of looking for additional funds - yet another insult.  I am financially stable now - but refuse to let him take advantage of me - or any other trusting widow.  I will agree to have $280 deducted from $2,800 for his travel and time costs only.  

  **** needs to refund me $2,520 at minimum to resolve complaint.

  Sincerely,

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

  Business Response

  Date: 04/30/2025

  I am in receipt of your letter dated April 25, 2025 (including ******** ***** reply/response to my
  reply letter from her original complaint). referenced by the BBB Complaint ID ********.
  ******** was NOT charged $2,800.00 to put a pin in a snow plow and wash a vehicle yet she
  continues to CLAIM this to be the case, and the BBB allows this repeated FALSE CLAIM to stand in
  as much as she keeps making it, and the BBB keeps passing it along to me as if it has some merit
  and or is based even remotely in factwhich it is NOT.
  

  For the final time, I will tell you that ******** was charged $2,800.00 (10% sales commission fee) by
  Kurts Polaris, **** to sell her vehiclesomething she asked us to do for her and something we
  agreed to do, and at a fee structure she was aware of and agreed to.
  

  Again, for claritys sake, we normally charge a 15% fee for these services, but in this case had
  elected to help ******** out, offering to do it at a reduced fee of just 10% (feeling bad for her
  situation and trying to be helpful).
  

  ******** was told by **** ****** (our Sales Manager) of the 10% fee before we ever went up to pick
  up the unit to be sold. **** M letting ******** know how a consignment sale works prior to us
  getting involved was a VERY routine discussion for **** M and one he can recite from memory in his
  sleep.
  

  Moreover, we do not finalize any consignment sale without the sellers final approval, which she
  provided, including at the fees previously agreed to, and she gave her approval and frankly seemed
  relieved to be out from under her payment (the overarching goal of selling her vehicleto rid herself
  of that payment), and thanks to my staffthat mission was accomplished.
  

  Prior to giving her approval for us to sell the unit at $28,000.00 with plow and as is, and including a
  10% fee to us, she tried to renegotiate a lower fee from us now that we had a buyer all lined up, and
  after already agreeing to a 10% fee. This was done on the phone with **** *. and me. We told her on
  that call that she could either approve the deal as it was already negotiated between all parties or
  she could cancel the deal and come pick up her rig and simply sell it on her own.
  

  She agreed to the sale on that call, as her main goal was to get out from under the monthly
  payment, she said. We accomplished this goal for her while allowing for our reduced fee for
  services and while still managing to put a little money put back in her pocket to bootAND she
  thanked us for helping her out in this way.
  

  Did we make money on the consignment sale, YES, of coursewe are in the business of selling
  power sports vehicles like Sharlenes. ******** knew we were getting a 10% fee and she knew this
  prior to us picking up the vehicle and investing our time in its sale and prior to giving a final
  authorization to sell the vehicle at the price of $28,000.00 with plow and as is.
  

  If we had no opportunity to earn our standard fee of 15% from a consignment sale or even 10% from
  a sale like Sharlenes where we offered to do it for less, we would never sell a vehicle for anyone
  EVER! We have our own vehicles to sellwe are an OEM dealer and sell brand new and used units
  we have taken in on trade all the time. Thats how we pay the bills, how we employee our people,
  how we make a living and provide service to our community. We make money selling vehicles, parts
  and service.
  

  In Sharlenes mind it seems we should do all that for FREE, and/or perhaps she should get products
  and services for free just because. We cant operate our business without charging for our
  serviceswe would cease to exist. ******** could have sold the vehicle herself, she could have
  solicited the help of family, friends, neighbors, or people from her church or other social groups she
  might belong to or anyone else for that matter, but she didnt. She instead reached out to Kurts
  Polaris to do this for hergiven our experience and expertise in this areashe elected to Hire a
  Professional to provide this service to ****** like all professionals with a particular skill set they
  must be paid for their serviceswe are no different, and for ******** to even suggest that she not
  have to pay anything for our help or that the services we provided to her should be for free, is simply
  **** and misplaced. In what world do professionals offer their professional services for free? She
  contracted us to do a job, we did the job, and we got paid the pre agreed reduced rate for our
  servicesend of story!
  

  ******** states that she has text messages to support her claim that I (****) texted her to
  coordinate pick upto support the idea that it was my idea to come up after hours and therefore
  thats on me (as in why would she have to pay extra). Guess what? I didnt charge her anything for
  thatit was FREE! Just like the pin in her plow and the work to do the repairit didnt cost ********
  anything. We didnt charge her for thatit was FREE!
  

  ******** says she has text messages, so whatWE have all the text messages between ********
  and Kurts employees and me toothats how texting works. We have text messages from ********
  that state that she was aware of the 10% feecontrary to what she repeatedly claims here with the
  BBB, which with these text messages, along with signed affidavits from our employees (if need be)
  regarding our consignment process and fees that would be charged and when they were provided to
  ******** prove this claim to be utterly FALSE.
  

  In Sharlenes first BBB complaint she painted me as someone who preyed on financially challenged
  widows and that I saw her as an easy victim that I could exploit. In this second complaint she
  claims I am also a misogynist. For the record, I have a Mother, Sister, Wife, Daughter and MANY,
  MANY customers and friends that are women who I love and respect, and who love and respect me.
  This most recent claim is yet another completely FALSE claim made by ******** relating to how I
  treat and or get along with people/customers/women (or females as she puts it), no doubt she is
  simply trying to add teeth to her complaint so as to better position herself to gain financially from
  me through this pathetic and misguided effort.
  

  What was a $2,800 complaint in Sharlenes first BBB complaint and has since been revised down to
  a $2,500 complaint all started with a $50 complaint more than six months ago. After the sale was
  done and all parties were ready to move on and after ******** thanked us for our help, she took
  issue with a $50.00 discrepancyNOT a $2,800.00 discrepancy, but merely a $50.00 discrepancy in
  our calculations upon final settlement. She was good with the entire deal and the fees paid etc.,
  but while she thanked us for everything and for helping her out, she simply took issue with the payoff
  number being $50.00 different than what she thought it would beand yes all this is back up by
  texts and other forms of solid proof as to its validity as being true.
  

  This $50.00 difference arose due to the fact that the time it took the customer who agreed to buy
  Sharlenes unit fell slightly out of the original 10 day pay-off window. Once the funds were
  presented and cleared the banks there ended up being a $50 difference in pay-off money, due to
  this slightly longer than 10 day pay-off window. We explained this all to ********, how it works and
  why it happens this way, and why this is her issue and not ours, but not surprisingly she took issue
  with it and told us she wanted that $50.00.
  

  At this time, I just stopped communicating with her, as she was just too muchthis was a nonproductive
  relationship for us from the start, and we were glad it was behind usor so we thought.
  We tried to do the best we could for ********, and she was just never satisfied, and always took
  issue with something. As I said, where we last left it last fall, the only issue ******** had with
  usper herwas $50.00 discrepancy which she wanted to be paid for. Six months later (with me
  thinking she had finally just decided to go away and leave me alone) she sends me a text and says
  she wants to get together to discuss this $50.00 issue and that she wanted a time to meet to
  discuss so that we could resolve this issue before she began a complaint process which could
  cause adverse action. Again, this is all supported by text correspondence etc. etc. etc.
  Fast forward, I elected not to meet with her then (and wont now) and she files a $2,800.00
  

  complaint against me with your organization (the BBB) not a $50.00 complaint as was the original
  complaint amount. Then to support this $2,800.00 complaint and to give it more teeth no doubt
  she raises the stakes by attacking my personal character and that of my staff, painting me and/or
  my sta?? as opportunistic misogynists which prey on financially destitute widows. My word, I have
  never seen or been part of anything so outlandish in all my years on this planet. Truly, this is a oneoff

  experience for me. One that I am going to wash my hands of right now with this reply being my

  last word on the matter.
  

  In 36 years in business, I have never experienced anything like this. ******** is in a class by herself
  and as she keeps stating for the record, she will not be taken advantage of, well guess what, for
  the record neither will I. These untrue and wrongful accusations, and characterizations of my
  business practices and personal character, and that of my staff end right here.
  

  These complaints are FALSE. They are HURTFUL, they are DAMAGING to me, my employees and to
  my business. They are damaging professionally to me and personally to me, and while I am glad to
  hear that ******** is now sitting in a better position financially it should be noted that she is in part
  sitting in a better financial position now than she was in the past because of the good work and
  services we provided her (getting her out from under the vehicle payment she was making prior to
  us selling the vehicle for her).
  

  I will NOT allow ******** in my store or on my property ever again, and I will NOT reply to any further
  complaints from her or from you (or your agency the BBB) regarding anything to do with ********, as
  this whole complaint process is based on false claims of damaging allegations with the sole
  purpose of punishing me for not giving ******** the $50.00 she felt was owed to her last fall. This
  whole charade is both ***** and vindictive and I want no part of it.
  

  ******** and the BBB can take any action you want, and you can report or file any complaint you
  likeI am done talking to and corresponding with ******** and the BBB. Should any of these
  demonstrably FALSE (through texts and sworn affidavits) claims be published and made public in
  any way on or in any forum then I will be left with no alternative choice but to seek out the
  assistance of my professional counsel to rectify this situation in a manner that is acceptable to me
  (financially, professionally, personally and legally) and to properly pursue all avenues necessary to
  make sure that my good name and good reputation is restored to its previous good standing as
  someone that has successfully been not only in good standing, but also a vital part of my
  community for the past **************************************************************** for any
  amount.
  

  ******** states that she is now financially stable and she just wants to fight this fight because as
  she states she will not be taken advantage of. Well guess whatneither will I. I will not be
  exploited, extorted and reputationally harmed in this way without rising up and defending myself
  against these FALSE accusations and without pursuing every possible remedy of restitution that is
  legally available to me against such wrongful and harmful allegations.
  With that said I would offer the following as a resolution to this matter:
  

  Cease and Desist this campaign of lies and extortionary, punitive practices toward me, removing
  any and all public information regarding any of this nonsense or be prepared to meet me in court to
  answer for the reputational harm and expense you have cost me through these demonstrably
  FALSE accusations.
  

  The ball is in your court collectively (******** and ******* *. and the BBB). Not for nothing, but I am
  NOT financially destitute. I have the resources necessary to do what I must. If ******** feels this
  fight for $50.00 is worth having, and worth fighting for in the manner she has elected to pursue it
  (based on her principles) just how far might you imagine I would be willing to go based on my
  principles to protect and restore my good name and my businesses good name, after both have
  been drug through the mud and falsely accused of so much that is simply NOT TRUE. I will tell you
  thisan unwillingness to accept a $50.00 discrepancy (a just discrepancy no less) could end up
  costing ******** tens of thousands of dollars or more by the time this gets resolved if she insists on
  pursuing this nonsense any further.
  

  I am done with this line of correspondence. On behalf of the BBB, ******* *. YOU should also be
  done with it too and find in our favor or simply dismiss this issue entirely.
  

  ******** should also just be done. This fight might have felt like a good idea in the beginning, when
  you believed you were rightfully due $50.00 and as a matter of principle, and when you felt it was
  worth pursuing. However, here we all are, the manner in which you have chosen to pursue this now
  by inflating the claim and by making the demonstrably false, harmful and hurtful statements you
  have now leveled against me and my business and employees have now elevated this matter into a
  HIGHLY important and potentially COSTLY battle of truthsmy truth as I see it, and my truth as I
  have hard legal evidence to supportand your truthsor at least the truths as you are presenting
  here for the sake of the complaint you have lodged against me with the BBB.
  

  ********, ******* *., and the BBB do what you will. I will NOT give ******** ONE pennyI have
  given her (as ungrateful as she is) far too much already.
  

  I am ready and willing to wipe the slate clean, with everyone just going their own separate ways with
  none of this ever becoming public in any way (chalking it all up as just one of lifes frustrating
  experiences) OR I am prepared to spend ANY amount time and money necessary to restore my
  good name and reputational standing as a person and as a business operator, should you all elect
  to pursue this further.
  

  I have explained and defended my actions in this situation as much as I am going to in this
  forumthe next time I do (if need be) will be in a court of law. This is not meant to be a threatening
  statement, rather it is simply a statement of fact which reflects the limitations as to how far I will be
  pushed, and to what lengths I will go to protect my good name.
  

  This ends today or it doesntits entirely up to you.
  

  Sincerely,
  ****** S. ******
  CEO
  Kurts Polaris, Inc
  *************************************************************
  ******************************

  Customer Answer

  Date: 04/30/2025

   
  Complaint: 23180180
  
  I am rejecting this response because:

  1) **** violated MT state obligation of dealer business practices and adversely impacted my credit, and feels he has no responsibility for his actions.

  2) **** charged me (female) for title MV but did not charge buyer (male) when he sold same vehicle, which is clear discrimination.

  3) I was never informed or agreed to sale of my vehicle on 9/28/24.  I was told a potential buyer was coming to look at it was all.  I inquired on 10/1 and that is when I was informed vehicle had sold 3 days earlier, without being notified or approved of sale.

  4) I was never informed of 10% commission fee prior to sale of vehicle on 9/28/24.  I was not informed until 10/2/24, after they had the notarized title.

  5) **** personally attacks my personal character, mental capabilities, memory and made many other hostile and threatening comments in his response, clearly showing his lack of respect for females and senior citizens.

  6) **** admits taking (without my permission) $2,800 (almost 73% of $3,858.47 profit) and calling it a "commission".  No consumer would agree to that "helping" them financially.

  To summarize, I will purse other avenues to ensure that no other consumer has to endure what I have to go through at Kurts Polaris in ******************  **** monopolizes the market in ***************** and clearly feels he can bully me into submission, which will not happen.

  
  Sincerely,
  
  ******** *****