Refunds are significantly delayed and they have used stall tactics.  You act insulted when people question your ratings, but you choose to ignore these serious problems.  I was supposed to be refunded 3 months ago.  It's really significant actually.  And they use stall tactics.

You are not helping the little guys when you ignore this stuff.  Some of us can't afford to lose that money, and if you rate them as 'fine' they have no real reason to pay us back. 

"1 - refunds significantly delayed or not being processed at all. Includes stall tactics."  is the truth