Aaw hunni how pants for you! but i agree not to give her the refund!
One of the girls in the previous salon i worked in had a client like her, had a manicure, paid, everything hunky dory, 3 weeks later she had a letter from the woman saying that her cuticles had been "hacked off" bleeding and had since been infected and resulted in many hospital treatments. She threatened to bad mouth the salon and stated in the letter " call it £1000 and i wont press furtther in this matter"
Well the salon owner decided to fight it, despite the fact that the therapist did not have the woman sign a consultation card. And the salon won in court!
She blasted the judge with information, diagrams, other clients testimonials and had managed to find out that this woman had been trying to sue many salons, bakeries and clothes shops in the town.
The point is at the end of the day it came down to this womans word against the therapist whom had been doing manicures for years.
And the insurance company didnt even send the lawyer that they had promised!!
If she could do it why cant you?!
Hope this gives you some hope
xxx