Actually Keyur said that "due diligence" was done on their end so it's not my terminology.  Besides it's obviously a lie for him to claim because what about all the other information on the MO that is unique to me that matches my verification documentation exactly?  Simply because it was missing one word, my username, does not justify in any court of law; ignoring me, not depositing my funds into my account, and continuing this unnecessary behavior towards me.  In fact I showed several folks in the legal field my MOs and they couldn't actually understand how someone that claims "due diligence" could miss such an obvious match.  The only conclusion they were left with was that Keyur was attempting to defraud me using any angle he possibly could.  Especially when I also showed them the level of effort I've had to enact just to get this far.  They all thought this was beyond normal business transactions and all felt legal action was absolutely necessary.  Personally I'd rather get my money back and go on my way.  I already know that FinCEN is looking hard at these guys because of this exact thing but, nobody cares.  

I wonder how much Keyur would care if something dramatic happened ......