1/10/14 Terry, who is also the owner of Golden Plumbing, arrived at 5 PM Friday. After looking at our kitchen faucet which was falling apart he said that he could not fix it and it needed to be replaced. He wanted to do this on Monday which we thought was OK but he talked us into giving him a check for our part of the service right then. He then went to the bank and cashed our check. Then he called our insurance company and told them that there was nothing wrong with the faucet. The insurance company called and said their hands were tied because of his report. We called him and he said They won't cover it and the Co-pay check that you gave me is mine and I am keeping it. We now have to cancel our insurance because they would not believe us claiming they have to believe the technician. I believe that Terry would have returned on Monday and did the work if we hadn't paid him the co-pay in advance. But with the check in his hand he went to the bank and didn't deposit it because he knew that what he was going to do would cause us to try and stop the check so he made sure he got the cash. I believe he saw an opportunity, dishonest though it was, and acted on it. E. W. Best, USAF Retired.