I have been waiting on a refund from At Process At home since May 27, 2008. They are giving me the run around. Each time I call they tell me the system is down and I need to call back. At one point they even emailed me a disconnected phone number! Now they are blaming my old bank, however my bank tells me my account has been closed since last July and a refund from them NEVER came through. This must be some type of scam. I am so disappointed. I have sent numerous emails and faxes requesting they call me and they never do. They never answer my questions either.