P.S. when I was made the initial offer and told that he would take it I needed to purchase an automobile as my wife got to keep the two I had...I put money down on a car....the money from the ring was the money owing and I made a sizeable downpayment...the terms were balance in one month..this is why I had no choice but to accept the offer, or loose my downpayment and possibly the car..and I needed a car as I drive 200kms per day to work...just to clarify