Taking down peoples card details is completly irrelevant to this situation, you have still taken the money of these people who havn't recieved any sort of product, nor even a reply to their e-mails.
If I hadn't have put it up on the schumacher forum you would have probably never gotten back to them.
Also I have observed that it is taking you a long time to write; what seems, a very basic sentence. Shame they don't have a retarded looking emotion on here.