Actually at the time I did this error, I was a newbie and did not know that. However, you are correct, they don't have to have anything stating this. I guess common sense doesn't apply to larger companies. I still think that unless we as a group come up with an idea to communicate our displeasure to companies like these this thread and others like it will be totally ineffective. And Getty knows this. it's a great way to complain but that's it. I had one idea I posted earlier. Anyone have any other ideas? I am waiting to hear back from NCS Recovery, as I also stated earlier, to see what is going to happen. I will let you know