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Call ur cc company and dispute tge charges don't get into huge details with tgem just tell them u did not authorize the 850 charge they will look into it and refund ur money back to ur cc they half to prove prove to the cc company that u authorized the amount and transaction.
good luck relax it will work out let ur insurance company handle at this point don't waste ur time with John Lyon he's a scum bag has always been that way.
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