Jared's is supposedly creating a custom ring for me and have been doing so for over 4 months and they can't seem to understand a very simple design or finish one of the two wedding bands. I was ready to pay cash ($4k) but they talked me into an interest free for 12 months loan so I went with it. Turned out, it did have associated fees, which they stated it wouldn't. So far I have $1500 into the project and no sign of jewelry. I know their refund policy but I haven't even received merchandise. How would it apply?