Foxy

In June when I took over the salon we had a customer that I manually charged her credit card for her monthly payment. This customer called and griped I had made her account overdrawn by taking out this payment. I do have a i year contract on this girl for our tanning club. The girl also says she has cervix cancer and cannot tan. I tell her to bring in a doctors excuse. The girl never did. I waited until November then drafted her account again for the july-aug-sept-oct-nov payment. I did try calling but her phone # was out of order and I had no address.
I then charged her a couple days ago the 75.00 cancellation fee.
The girl calls grpin again telling me now she has a bacterial infection and still cannot tan and wants her 175.00 back. I tell her again to bring in a doctors excuse and she says something about her doc being out of town. She also tells me she'll get a lawyer. I tell her that would be fine but ask her again why 6 months ago she didn't bring in the excuse like I had asked her. She says she does not remember.
I told her that if she brought me an excuse stating she was under a docs care for the last 6 months and that the doc recommended that she could not tan I would refund her money.
But I do not have an address or good phone number on her and I know if I give her money back I'll never be able to find her to bill her for her monthly payments. She'll probably do away with the credit card we have on file and I'll be screwed. She is under contract until 2-2-2005 but I told her I would have to extend her contract for however many months she's been frozen.
This is all new to me and I don't know if I'm doing the right thing. What does everyone think?
Foxy