Luxman wants you to pay by credit card, giving you the feel that you are protected by the credit card company. You are, only for 120 days, but the contract states you cannot request a refund or cancel within six months.
James Kennedy is the man supposed to contact you about a refund, if you get a guaranteed contract. He will probably not call you back, even if you leave him dozens of messages.
You can send the certified letters within the time frame specified; they will not contact you back by mail or phone or e-mail, or any way whatsoever.
If you are unfortunate enough to have done "business" with these people, your money is gone.
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