First mistake: "On February 5th I called Dave and cancelled my order." When money is involved, especially this much, it needs to be in writing, and to be safe should have been sent registered. You've already learned, via the VISA company, about your other mistake(s), most involving timeliness. I'm sad to hear what happened to you, but I'm not surprised about the issue with Scadden. It sounds like you need to be persistent with phone calls and maybe a certified letter or two. It might be worthit to fly to his office and confront him directly.