devastated just dont know where to turn what to do who to talk to, i have been told by the agent , whom knew nothing of this at all, that i have no chance of getting my money back, i have 3 children and just dont know how we will get through this year , i suppose im looking for hugs right now , my heart goes out to all otheres effected by this, i was planning to get my tree decorations everything, with not much time left i will never do it...all hugs love and support needed xxx