As a business owner, I'll put in my .02. The way I look at it, Whether you did the right thing or wrong thing doesn't matter as much as the fact that you made a decision and stuck to it. You don't have to hide from an unhappy customer, or hang your head because you did something you weren't comftorable with. If you see him in Wal Mart, you can smile, speak, and shake hands with no qualms. If he has hard feelings, it's a problem, his problem. Also, if he does AD/ND himself or someone else, again, it's his problem. FWIW I think you did the right thing also.