First of all, Nicole is not Topaz. I know because I also read with Topaz and her first name is not Nicole.
Secondly, I have been reading with her since January and a lot of what she has said has happened. She is pretty dead on for contact dates, sometimes only off by a day or two and sometimes a few days early. She can be a little rough around the edges, definitely no sugar coating.
Thirdly, the rip-off reports have nothing to do with her psyhic ability. If you read the comments, even by the person attacking her that wrote the report says he isn't saying she doesn't have an ability, he is moreso implying she broke the rules by taking calls from clients off-site and getting paid off-site.
Sorry, just had to give my 2 cents on the matter.