Effy, I appreciate the note, but I'm not going to waste the time it would take to keep responding here. I hope you can understand. The purpose of feedback is to help others avoid a similar situation.
Mezz, if you're on your own, that's cool, but you may be psychic. The text and wording are identical. Maybe you're channelling them

To answer your final point though. Yup, definitely hate to see a card charged and then refunded, creating two transactions when there ended up being no transaction. What a waste.
That's it for me on this thread. Message delivered, and over 100 emails to answer for the office before the dawn. Moving on to other things guys... Caveat emptor, right?
Signature? I dont need no stinking signature...