I paid to attend a seminar last year that never went ahead as the photographer had booked elsewhere. I agreed (in-store in-person) at the time that the fee would be held as a credit against my name, should I wish to book on another seminar. On Dec 18th I asked for a refund instead as I had no time to rebook. The process of obtaining this refund took many emails to the store and overall took approx 4 weeks to sort out - eventually a cheque arrived after I chased it down myself at the Calumet head office - It took FAR too long to sort out. The local store was very little help indeed as the people there would not contact the head office accounts dept on my behalf to sort out - I had to do this myself after waiting forever - they were simply happy to fire off periodical emails, into the ether, to colleagues getting no response for weeks on end without properly sorting it out - this was BAD SERVICE. Calumet Credit notes = Never again.