I have run into a similar circumstance, I was signed up for a PhD to start in 12/07... the logistics of the online blackboard was a joke. I emailed the instrustor several time throughout the week and never received a response until Sunday evening - just said that the assignment was due by midnight or I couldn't continue. The email did not address any of my questions, so I couldn;'t conplete the assignment, and missed the start date for the PhD program and had to wait 9 months to a year for the next cycle. So I mailed back all checks without cashing them. 9 months later a $300 scar from Sallie Mae showed up on my credit report, I have been working with both U of P and Sallie Mae since October, to no avail. But I refuse to pay for something I never recieved, no class, no work, no response, why should I have to pay anything to them?