I had no idea you were located in Ontario till you mentioned OMVIC, I could go into detail here but it's sunday night and I got other matters at hand.
Tell you what, send an email with your phone number where you can be reached between 9 - 11am tomorrow morning, I will ask questions and know if you will be entitled to a full refund.
You lost me with your wife? another contract had a $500. down payment ?