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<p>[QUOTE=&quot;Lehigh96, post: 2063387, member: 15309&quot;]Ok, now don&#039;t go getting all crazy on me, but I AGREE WITH YOU.&nbsp; I don&#039;t know if you have ever sent a coin to a TPG for appearance review, but I have.&nbsp; They don&#039;t really give you an opportunity in the process to explain why you think the coin is not graded properly.&nbsp; I suppose you could write them a note, but without a discussion about the coin and its attributes, it is simply too easy for them to look at the coin, say &quot;looks good to me&quot; and send it back to the owner with a note saying the coin is graded properly.&nbsp; If they wanted the process to be fair, they should provide a phone consultation with the submitter so they can explain why the claim is invalid.</p><p><br /></p><p>The only time they will honor the guarantee is when the coin is obviously graded improperly and would be embarrassing and detrimental to their reputation if they don&#039;t fix it.&nbsp; I recall an NGC MS69 steel cent a few years ago.&nbsp; It was horribly overgraded and I heard that the coin was removed via the grade guarantee.&nbsp; I don&#039;t know this for sure, but the pop reports list no MS69 steel cents so I guess they fixed that blunder. </p><p><br /></p><p>And when it comes to refunds, they state in their policy that they will never refund more than the purchase price of the coin, so the refund will always be equal to or less than the purchase price.&nbsp; And to your point, I agree, it will usually be less than the purchase price.</p><p><br /></p><p><a href="http://www.ngccoin.com/coin-grading/guarantee.aspx" target="_blank" class="externalLink ProxyLink" data-proxy-href="http://www.ngccoin.com/coin-grading/guarantee.aspx" rel="nofollow">NGC COIN GRADING GUARANTEE</a>[/QUOTE]</p><p><br /></p>

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