So far, since I have seen you commenting, all youve really done is use family deaths or problems as an excuse, which in my own opinion, is a bit messed up. I highly doubt that OP wants to read a bunch of excuses, while they basically had just lost hard earned cash. Keep life issues out of business, it does not belong there. Fact is, you owe them their money back because you didnt do the job you were paid to. You shouldnt be commissioning if your life is hectic, you cannot delay paying them back forever with excuses either. Im sorry you are at a rough patch in your life, but that should mean that you shouldnt be taking commissions, and instead spend time with your family. If I were you, I would stop listing off all your life issues on this beware, and seriously consider paying them back.

Everybody has their own issues they need to deal with, you never considered if the OP is having issues with family/life at all, they had to earn that cash they put in YOUR pocket. You are not the only one with a complex life, not once have you seemed to consider that at all.