Well, maybe it's just me, but somethin' ain't sittin' right.
2fast8:
You recieved funds in xchange for goods.
1) Why didn't you xchange goods for funds when you recieved? Anything else, whether intentional or not, ain't on the up and up.
2) Where are the goods, then and now?
Maybe you need to work on your definition of "rip off" . An interest free use of someone else's money for any period of time, fits my definition.