I placed an order with NWTM on Sept. 17, 2015 for 600 ounces of silver. Sent a check the next day for $9,312.00 A few days later, I got an email with a receipt and an order number that claimed an estimated delivery of 10 to 12 weeks. In late December, I realized that the delivery was due but we would be away for the Christmas Holiday, so I waited until early January to call them regarding the status of my order. I was informed that they were running 3 to 4 weeks late on deliveries, and that my silver should ship at the end of January. So, I waited. In early February, I called them again asking for delivery and was told that they are still running late, and the new delivery date would be 6 or 7 additional weeks. At this point, I wanted to cancel my order and get a refund. I was transferred to many other people, waited on hold for a very long time, and then some woman proceeds to read all of their Terms and Conditions that I had evidently agreed to, at the time of purchase, and telling me that I was asking them to "exit my position", not get a refund. Then, she told me that my check would be mailed out "the week of February 22nd." Several times I tried to get her to give me an exact dollar amount, assuming that they might try to short me on the refund amount as part of their "Terms and Conditions" that I have never seen, but she continued to read from the same script. Again, I called them on February 22, waited on hold forever, and the same person told me that the check would go out "this week." So, I waited. I called again on February 26 and was told that the check was cut and would go in the mail today or tomorrow. The check did arrive on March 3, and did clear my bank yesterday, thank God. And, they did refund the exact full amount. By the way, I have ordered from NWTM in the past (smaller amounts) and always got my delivery eventually, although 2 or 3 weeks later than their original estimate, generally. I get the feeling that they are going down this time, and lots of people are going to get screwed, so be careful out there.