I got screwed by 2 different refineries

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goldsilverpro

In Remembrance
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The only way to ship bullion or other hi-value PM material is USPS, Registered, Insured.

I think the terms Respectable Refiner, Honest Refiner, Honest Lawyer, Honest Politician, and Benevolent Banker are all oxymorons. There are exceptions, of course, but no one knows who they are. Also, things change with new managers.

I was once interviewed by several agents of the California Board of Corporations (or, whatever it's called) concerning the MO of refiners. After 2 or 3 hours, they decided there was no way to control it, since no one could prove what they had. About the only way to nail them is to set up a sting, with good professional assays and documentation.
 
I hear a lot of complaints about being ripped off by refiners but it seems that few people know how to prevent it. How many of you would go into a bank with a pile of money and tell the teller that you don't know how much is here but if they will count it and credit your account you would appreciate it. You know sooner or later you'll get ripped off.

Going to a refiner and handing them a pile of scrap to pay you for is the exact same thing. If you don't have the capabilities to melt the material go to the refinery and witness the melt, don't let it leave your sight. If the melt was large enough they will take a dip sample, make sure the melt is molten and stirred before sampling. If it is a smaller melt, still make sure it is molten and stirred before they pour it. Inspect the bar and the slag after the pour. If the slag has a lot of beads put it in a bag and take it, it contains your metal.

Now they will either drill your bar, make sure if it is a drilling they take it from both the top and bottom, if they took a dip sample they will cut it into small pieces. Both the cutting of the dip sample and the drilling will be done in front of you. They will package up 3 small samples of at least 1 1/2 grams each (1 pennyweight) I would request more sample, at least 3 grams so you have extra in case you need to run another assay. You take 1 sample, they keep 1 sample, and a 3rd is for an independent assayer in case you don't agree with their assay. I like to request the right to take my bar back if we don't agree on assay, so since all bars tend to look alike, sign the bar on both sides with a marking pen. Also sign the seal of the umpire sample.

If you follow these steps they will know you have been around the block before and your settlement will be treated with respect. Now before you leave take a receipt with you which states the weight they will be paying you for. It should be the weight of the bar plus the weight of their sample, plus the weight of the umpire sample. Now it's just like you counted the money before going into the bank and you have a receipt. You now have recourse if you don't like the result!.. Of course you have a written list of what the charges will be for the refining services, what metals they will be paying for (don't let them keep your silver either) And you had it before you went to the refiner in the first place.

To be fair to the refiner, because there are refiners who do legitimate business and are entitled to make a reasonable profit, you will be paid a percentage of all metals refined and if some metals do not reach a minimum deduction you will not be paid for them. There are also things like splitting limits which means if your assay differs from their assay by more than a defined percentage (never over 0.25%) you will use the umpire sample to determine who is right. If you are within the splitting limits you split the difference. Umpire assays are not cheap and the loser pays the tab. Shop a few refiners, read their terms and do what I wrote above and you should be OK for meltable scrap. Find a decent assayer and have your sample assayed, in the event of a difference, keep track of who wins, if your assayer loses too often, find another. A good assayer is like a good heart doctor except they don't make as much money.

If you follow the procedure above you will leave the refiner with no cash in hand, but you will have receipts which are legal documents. Send out your assay sample ASAP and when you have a result call the refiner to exchange assays. In most cases they will tell you their assays first, if their number is higher accept it and go to the next metal. This process will take a few days longer if PGMs are in the bar but you can usually settle gold and silver within 2 days. When you settle you tell them which day you want them to price your metal and they will cut a check for you on that day.

There are similar precautions for non meltable scrap and if anyone is interested just ask. It isn't fair to complain about being ripped off if you didn't go into the refinery prepared.
 
From my previous post about melt-able scrap, you can easily figure out its all about the sample. If the sample is good it is representative of the entire lot. Melting is one of the easier samples to get representative quickly, other materials may require you be present as a representative of your material for 2 or 3 continuous work days. If you're not willing to do that, you have no gripe about low yields.

Some materials are sample-able as a fine 60 to 80 mesh powder, others are chopped or ground to make a homogenous mixture, often to prepare this material takes a few, time consuming steps. I am assuming that you have quantity of these materials because this process is never done for 25 pounds, there are small collector refiners who process small lots and the rules to follow are similar.

First lets talk about seals, not the furry kind that eat fish but the ones that make your drums and containers tamper proof. When you ship your material to a refiner, or take it in yourself always ship it in drums (usually 55 gallon size) that have open tops and lids with rings to seal them. Through the tabs on these drums you will place a numbered seal. These seals are your way of knowing nobody was in your drums without you being there to see them. Don't worry about hurting anybody's feelings refiners use them when they ship material out as well. Often incinerators or ovens are used to process your materials overnight, always put a seal on the door so it can't be opened until you are there the next day. Bring extra seals so you can close up drums of processed materials that you can't be with. While we're on the subject of drums, often a large refiner will provide you with drums for shipping, I always accept. If they offer you seals, always decline. Don't cheap out here, buy seals which are numbered and colored various colors so they cannot be duplicated easily.
Write down what the drums weigh empty, full, and net weight of your material and write down your seal number. This is necessary documentation for the refiner to receive your material.

Tell the refiner what you are bringing and discuss how it will be sampled and the time required. Also discuss rates before you arrive and have them in writing. This is always done by appointment, you don't just drop in.

If your material is a fine mesh powder, usually called prepared sweeps, the process you will witness is called blending, whereby all of the drums of powder are mechanically added to either a double cone or a vee blender and blended for 45 minutes. The powder is then returned to the drums and each drum is sampled with a pole sampler made to sample the powder evenly all the way down to the bottom of the drum. The technical name for the sampling pole is a thief. Kind of ironic but they come from the grain industry and they call them grain thiefs. (just a little historical perspective) Now all the drums are sealed up with the refiner's seals and weighed to get your final weight. You're done with the drums now focus all of your attention on the sample pulled from the drums. Some refiners will weigh out 500 grams of sample, often in duplicate, and place it in an oven overnight to calculate the moisture content. Make sure you seal the oven. This material can be as rich as 1 ounce of gold per pound, so a 2000 pound lot (4 drums) can be 1/4% moisture and it represents real money. The moisture is calculated in the morning from the samples dried overnight and the weight of water in your entire lot is subtracted from the totals. Now bags of sample are prepared for you to take for analysis. Always take at least 1 ounce, they take an ounce and again an umpire sample is sealed up as well. Now you're done, you have weights and a representative sample and your seals helped you verify nobody messed with your samples.

Next post we'll discuss preparing sweeps at a refiner, here are a few pictures of what seals look like.
 
Burning crushing and sifting. Sampling material that needs incineration and sweeps preparation is never a 1 day deal. When your drums arrive at the refiner, with your seals on them, they will call you to schedule your visit. Always let them know when you intend to come or would like to come and schedule delivery so the material isn't at the refinery too long. Who knows what can happen, you've safeguarded the scrap this long so be safe.

They will put the material into the incinerator and start a burn cycle. If they say it will need raking during the process be there when the oven is opened. Usually they burn overnight so seal up the oven until the morning. Your material is ready for crushing in the morning, usually after a rake to see if it's still smoldering, if it is let it burn out.

Before the material is put into a ball mill, check to see that there are only balls in the mill. Have them install the dump grate and spin the mill to make sure no leftover material is in the mill. Add your material to the mill and let it crush for the required time, usually 1 hour. They will then dump the mill into the enclosed housing and take your crushed powder to the sifter. Again have them spin the mill to assure it is empty. Some representatives make the refiner weigh the material out of the incinerator so they can track the weight and be sure it is all there after milling and sifting. (Not a bad policy)

Finally the material is sifted, the majority of the fine powder represents your greatest values, this is where your samples will come from using the sampler the same as in the previous post. They rarely dry a sample after incineration because it hasn't had time to pick up moisture. There is oversized material in the sifter, it is your material and it almost always contains values. Have it put in a 5 gallon pail and put a seal on it and take it home. When you accumulate enough of this stuff bring it back for crushing and sifting again. Usually there are 3 fractions coming off the sifter, the oversize is broken down into magnetics (low value) metallics (higher value, usually there's bigger pieces of gold in there) and chunks of wanna be powder that didn't crush. You want it all. If there's a large fraction of metallics the refiner may suggest melting it. Finish with your sweeps samples and rep the melt just like the method described for meltable scrap.

Again you will leave with paperwork stating the settlement weight, you will have sealed up an umpire sample and you have your sample. And you have seen it all processed before your eyes.

The last type of material to watch at a refiner is e-scrap, my next post will detail that sampling process, I have to rest my fingers.
 
The last and possibly the most popular type of scrap (for this forum) to send out to a refiner is e-scrap. From what I've read on this forum a-lot of our members get this scrap and cherry pick the good stuff for refining or do some sort of preparation so they can recover the metals from the higher yield components themselves. This will always leave some kind of lower yield material that is ripe for sending out, providing you can get paid fairly for what's in there. Again the only way to tell what is in there is to sample the material and the sample has to be representative. This material is generally stream sampled. What that means is they chop, shred, grind or pulverize the material into uniform sized chunks so they can draw off a proportional sized sample. A stream sampler will sample shredded paper as well as it will sample lead shot, and therein lies its weakness. It is up to you, the generator of the material, to separate the material into grades of like density scrap. This is a bit of subjective sorting here but let me explain. The material which has been processed into like sized pieces is moved along a conveyor and dropped into a chute as a steady stream of parts, the machine is programmed for say a 25% sample, by switching some diverting arms the sample streaming down the chute is diverted into different lines, one line goes to the 75% accumulating pile, and the other to the 25% pile. It is amazing to watch and I have watched it and weighed the fractions coming off and it's pretty dang close to right on. This procedure will then be repeated on the 25% fraction to produce a fraction which is 6 1/4% of the original and so on. They continue until you have a representative, manageable sample of the entire lot. This sample is either incinerated, crushed, sifted, and the oversize melted with copper, or it's melted directly with copper. The benefit is the smaller sample is produced into an assayable sample while you watch.

Now for the glitch...... :twisted: ........if the material is a mixture of say steel relay headers with gold pins, and depopulated PC boards, the sampling will not be so great. The heavier steel headers fall faster than the light circuits so the stream isn't as dense consistently. Now if you have enough headers to run separately, and enough boards to run separately, the densities will be similar and the sampling is very good. The refiner doesn't know if a bad density mix will work in his favor or in your favor so he isn't too anxious for sampling of poorly sorted materials either. So the sorting is the job of the collector, you, before you ship for stream sampling.

The material which you have pre sorted is received at the refiner where they will decide if it will be best to granulate, shred, ball or hammermill this material before stream sampling. Whatever they decide, you will be part of the decision, and with your nod the material will go through the tortuous process. You will know your start weight and verify the finish weight. From looking at the parts they will also let you know if it will need incineration (likely if it was PC boards) or straight melting. Now it's off to the stream sampling machine. I've brought in 20, 55 gallon drums of plated connector scrap and had it reduced to 3, 5 gallon pails. Now you get to do eenie meeney miney mo and pick one for processing. The other two are sealed up in case another sample is needed.

If the material has to be incinerated, you will end up with a powdered sweep portion which is sampled for assay just as described for sweeps processing, the only difference is the rather large metallics fraction. Actually they mix magnetics and metallics together for a melt with copper.
You will witness the melt and just as before with meltables come away with samples and a sealed umpire. If the job didn't have to be incinerated, it goes directly to the melt room.

In both cases you have come away with samples which you witnessed and are reasonably sure represent your material.

This last type of processing is only done by rather large refiners and if they will not let you witness everything, say thank you and find another refiner who will. If you do enough of this type of recovery, and keep records about different materials you will generate enough data to feel confident that you are getting your just return. Just don't get confident enough to let them process it without you there.

There are others on this forum who have witnessed materials as I have and I invite all comments concerning what I have said or more importantly about what I may have missed.
 
I received an e-mail with a question about the post on melt-ables which is worthy of repeating. The question was what about the small pieces of steel that end up on the top of the melt? Good question! A-lot of jewelry has spring wire in it for clasps or other reasons. First of all when you are buying the stuff you should check if it is magnetic. If it is sometimes it is plated so you don't buy it, sometimes it is plumb karat but the magnet sticks to the end with a catch or some clasping mechanism. Here you have to make an educated guess about how much weight to deduct because something in there isn't gold.

Now you're at the refiner and your bar is melted and you notice magnetic pieces on the bar. (Surprise! your refiner has a magnet too) You can estimate the weight and subtract it from the bar weight, but that's a guess and they guess high and you guess low. If the refiner really knows his stuff he will have some phosphorous copper on hand. Great stuff, it will take magnetics into the bar and make it nice and homogeneous so there is no issue. Remember your bar will gain weight so the assay will go down..... same amount of gold is still there.

The phos-copper comes in nuggets and 2 ounces added to a 100 ounce karat melt will dissolve maybe 1/2 ounce of steel. I would pull out all of the pieces with magnetic tendencies and do a separate melt. I would be doing this before going to the refiner. Make sure your refiner has phos copper for this purpose and when you have enough for a melt with magnetic karat run it together. If the refiner doesn't have phos copper, regular copper will work but you will have to add more copper because it doesn't get the phosphorous boost to help the melt. Having the melt without floating magnetics is a better way to get a good return but remember you have to pay the customer less for the piece when you buy it too. Be kind, the springs don't weigh that much!
 
I have been reading on the forum about members using or wanting a XRF for gold assays. For buying gold from a customer selling a few pieces it can't be beat, it is quick and it definitely beats testing on a stone for qualitative analysis of other metals present. If you are buying gold and selling it to a refiner you should never accept an X ray result. Let me explain why. You go to a refiner who only charges you 2%, no melt fees or assay fees. The real selling point is quick same day settlement, how can you go wrong?

The way you can go wrong is that the XRF machine is a calibrated machine. That means if you start with an alloy which you know is plumb 14K, you've had it fire assayed so you're sure, you sample this alloy when setting up the calibration and tell the machine this is .5833 gold (assume plumb). This is great for a manufacturer who uses a bunch of different alloys and programs them into the device, now all he has to do for quality control is a quick scan and he knows what his alloy is. The problem lies in the fact that a refiner doesn't know the starting alloy so at best it is an approximation.

But what if the refiner puts in a piece of plumb 14K and tells the machine it's 13.5K. If you do the math the difference between 14k and 13.5K is 2.08%. If your total melt had a content of 1 kilo of fine gold and was 14k to start, the machine assay, if it was calibrated to read lower, will cost you another $600 at $900 dollar gold. True you saved on costs because you didn't pay for the assay or the melt, but you got beat for at least $500 ! After you leave the refiner will always run a fire assay before he puts it in production because he needs to know the real answer before he refines it. If you had waited for a day or 2 and settled on a fire assay, this can't happen. Now it is true that if the machine is calibrated 1/2 k off the refiner is only charging you 4.08% for 14k material, but the calibration can be off by more than that as well. But his claim was 2% no other fees.

If you do this kind of buying and send out your refining here is a little trick you can put up your sleeve. Save your extra dip samples from your previous lots, you know the assays because you sent them to a fire assayer and you also know the numbers you settled on. If your current lot is say close to 14K, bring a pin sample that is similar. Now when they are ready to read your new sample, whip out your pin and say "can you read this sample first?" If they do it, usually they get flustered and give some lame excuse, compare the reading they give you with the assay you know to be true. If it's close you've found an honest refiner. (don't be too surprised, they are out there!) If it's off humor them while they give you an excuse and say it's OK, we'll settle with a fire assay! By the way, if you do the little check this pin trick first and then settle on a fire assay, you should only pay the rates you were quoted (if in writing) but guaranteed the next time you refine with them, you'll get new rates!

The lure of the fast settlement is often the tip-off to hidden charges!
 
4 metals has some good info, but all the heebie jeebie about how to make a refiner tow the mark, is basically a waste
of time, because I can assure you if you send your metals to them, YOU WILL LOSE.
They are NOT going to let you walk through their facility and follow your metal; they don't have to kowtow to
us, because they don't want the business of anyone smart enough to keep up with the process, when they have a whole world of suckers waiting to be fleeced.
YOU WILL LOSE, even if they let you walk through and do all the sampling bit, etc.
If you don't agree with their final count, they will wind up with a bit of your metal anyway, and YOU WILL LOSE.
THEY HAVE WAYS.
Besides, they have equipment now that can SCAN a pig (dore bar etc ) and tell EXACTLY how much of what is in there, IF THEY WANT TO.
 
I can guarantee anybody out there reading this that there are honest refiners out there. There are also outright thieves out there. Everyone in a legitimate business has a right to price his work to make a reasonable profit. Unfortunately this business has become so competitive that to compete some companies have turned to deception. If a deal sounds too good to be true it probably is, in NYC the average return for refining karat gold is 99% and some are pushing that. The buy it over the counter guys are paying 96%! Everybody's squeezing everybody and it makes it difficult to imagine where the industry's going. If you follow the guidelines I've posted on this thread, you will get a fair return. If you went to an unscrupulous refiner he will be looking to hit you when your head is turned, so it's all up to how well you do the representation part. Any refiner offering the rate of return at 98% has room to profit and no need to rip you off. That doesn't mean they won't if you let them. In this business you have to remain informed and be aware, but it's unfair to be judged by guys who spend their days on the couch with a beer in one hand and the other in their boxers while they send out their gold jewelry to guys like Cash for Gold. Like the guy on TV selling mens wear used to say "An educated consumer is our best customer!"
 
First off I took the original post from Gold Dawg to mean that all of 4metals posts as to refereeing one’s own metals or having someone else babysit it for you as a waste of time. It being Gold Dawg’s first post I also wished for him to qualify himself as to experience before I gave his statements great thought, as I am convinced of 4metals background given his posts. Granted that some will try to steal from you no matter what, but just like the old saying “locks only keep honest people honest” there is no reason to tempt them or make it easy to steal from you. If one has that opinion, they should leave their keys in their car and home unlocked as it will be stolen or burglarized anyway. 4metals gave simple prudent outlines for protecting what is yours. Much the same as you leaving a stack of $100 bills on your front porch instead of inside, thinking no one will take it since it is obviously yours.

I have dealt with refineries that are honest and when there was a lower yield than what I expected it was a small amount. After some discussion it became apparent to me where they lost it based on their procedure. Mind you this was material sent by mail (not cash4gold) and the yield was discussed over the phone. I have always been able to find middle ground with honest refiners, with both of us learning from each others procedures and processes. Once it was as simple as a thin layer of floating metallic due to oil residues on their “clean” glassware. You would be amazed at how many “big” refiners do not know what is considered common knowledge here.

Noxx has a good point in replying to the fact that there are many refiners here and not all of them are dishonest, that is indeed an insult. I personally deal in straight honest terms because my reputation is far more important to me than financial gain. Oddly enough I have found that this gives me core customers that come back even when they are told they will get a higher return from someone else. They know that they will not get surprises or hidden charges and even if I pay a bit less than others they know that I honor my word and that is more important to them.

There will always be dishonest people in this world and hard economic times will make it worse. There are however those out there that put principle and honesty before personal gain. I would rather stay relatively poor than be wealthy by being dishonest. It is more important to me that at the end of the day I know I have done right by others.

That does not mean trust a stranger blindly. It is hard to find honest people in this business. A quote that sticks in my mind is one uttered by our GSP “the refiner is the last liar” That is part of what makes this forum useful, feedback from others about people and businesses they have dealt with.

Everyone on this forum has the choice to be part of the solution instead of part of the problem.
 
Excellent posts, Oz and 4metals.

I know that there are honest refiners out there because I was one. I also know there are dishonest refiners because I worked for a lot of them. I had a friend that was the manager of a very large refinery. He got fired because he wouldn't steal from the customers. His replacement broke out in hives whenever he had to make settlements and was forced to steal. He soon quit.

There are honest refiners but the problem is finding them. There is always a doubt in the back of your mind. Even if a refiner is 100% honest, some customers will always think they are cheating them. Harold has experienced this. It is human nature to think that your own material is worth more than its actual value. Every lot of material has a gray area, an area of doubt as to what it is really worth. Many people assume their material is at the top of the scale. Some people will never be satisfied.
 
This is the same problem we have here in Australia.....

I always tell people but some never listen, once your metal is melted it cannot be unmelted so whatever you gave them is now gone and whatever's "left supposedly" is what you will receive.


The reason I'm so busy buying scrap is because we test on the spot (convenient for the customer) which is non destructive. A customer *is not interested in time wasting/assays/melting blah blah blah. They just want to know how much $$$$ will they get now. Normally i can give a quote for 100grams in about 10min (after on the spot testing) and if they are not happy in any way they get the stock back as normal (unaltered) and no fee is charged for testing/going out.

I sell to refiners all the time and they shaft me (and i deal in scrap all the time so could you imagine the poor joe blow).

*Unacceptable language substituted by moderator.
 
Ageo
I sell to refiners all the time and they shaft me (and i deal in scrap all the time so could you imagine the poor joe blow).
This is an interesting statement, and one heard often, it would be interesting to discuss in detail your typical transaction with a refiner that shafts you. Do you go to witness? Do you take a sample? If you are willing to share the details of your experiences we can possibly get to the root of the problem. It is entirely possible you are being taken, but it is also possible your expectations are high.

If you are willing to share some details all on this board may benefit.
 
I sell to refiners all the time and they shaft me

What's the old saying (the clean version), "Shaft me once, shame on you. Shaft me twice, shame on me."?

As 4metals said, how do you know you're getting shafted? What are you shipping and in what quantities? How did you sort the material? How have you determined the value(s) of what you are shipping?

If I definitely knew the value of what I was shipping and was positive I was getting shafted, I would soon learn enough to know how to do the right things to prevent getting shafted.
 
I'll go out on a limb here and suggest that a good number of people who feel they have been short changed have never had their material put into a form where they could have the material assayed to know exactly what is there.

Then there's the guys paying $16 per pennyweight for 14 karat scrap and they expect you to refine their gold for 1%. Meanwhile their margin is huge. In that case the refiner who gets you for an extra percentage point or 2 is still not honest, but the real looser is the customer who sold his scrap to the middle man.

I hope we get some details of actual refiner transactions here so we can try and ferret out what went wrong and what can be done to prevent it.
 
Ok sorry for the late reply but i have been real busy. I should have made myself more clear i test all my stock with an XRF alloy tester which for jewellery scrap is more than enough to get an accurate reading on the karatage. Now when i send my stock in for refining i know exactly what i should receive based on the results of my testing and the loss they the refiner says they accept (2% is the norm here), plus the refining charge.

Now i never went in as im way too busy to spend all day (sometimes longer) to watch my stock (thats why i pay them, its a service and im suppose to trust them), anywayz both times i have come short quite a large amount, of course when questioned both times there was always an excuse. Anywayz since then i found a buyer who i know deal with (they deal with refineries in massive amounts like 1 tonne per yr or more). Basically my 1 on 1 experience with refineries isnt major (sorry i should of made myself more clear) but the guys i deal with reckon they lose big money each month and the problem is they have used every refinery in Australia that can handle the amounts they send in. So the only other option to stop losing money is to open or take over another refiner and then monitor the problem from there. The thing is its not so simple here and requires alot of time which they simple dont have.

But in short the point is refiners are ripping them off, which they know about but because of the large volume of turnover there is nothing they can do.

For me i took a pay cut and dealt with a buyer but in the end im actually making more because my payout is consistent all the time.

Thats the reason i came to this site, to learn how to refine but the problem is when your buying 3-5kg of scrap per week you dont have much time on your hands. If someone wants to come over here in Aus and set up i could send you enough scrap for refining to last you 150yrs :p
 
I would assume the 2% loss the refiner accepts is because on average 14 karat gold runs 56% so it's 2% plus off plumb. Most buyers calibrate their XRF to read 56 for 14K. If your refiner takes all day to melt you are either sending huge lots or they have figured out you won't come to rep a lot if it takes too long. Most shops I do business with can and do melt and sample on a 1000 ounce lot and you're out the door in an hour or less.

Does anybody do professional sample representation in Australia? Check out Inspectorate Griffith, paying a rep may be cheaper than accepting built in losses.

Another alternative would be to melt your material into bars and sample the bars for assay. I'm sure there are decent assayers down under. Refiners are getting very competitive these days, if your lots are big enough you may get the refiner to sample the melt when you melt it instead of when he melts it.
 
4 metals like i said i now have a buyer who pays me exactly what im after. For me its not worth sending the stuff to the refiner and going through all the rubbish.

Perhaps Harold can shed some light on this as he was a professional refiner.
 
The Moderators would like to thank all of the members who contributed to the original thread that this post was based on, as well as those who asked questions showing what was missing. Because of the extra length and interest in this thread we have created the above, consolidated version making for an easier read. We encourage all members to read, comment, and ask questions in the original thread, I got screwed by 2 different refineries.

The Library threads should not be considered to constitute a complete education. Instead, they're more like reading a single book on the subject of recovery and refining. There is so much more information on the forum, and it is impossible to include it all in these condensed threads. Members are strongly encouraged to read the rest of the forum to round out their education.

For those who prefer a printed copy, a pdf file of this thread is provided below.
 

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