how can you claim the work is completed if it is not visible?
A quick SERP's check will resolve that question. In fact, there is unfinished work on the site but that is due to the lack of images and/or content as provided by the owner. The pages are created and ready to receive said content.
I'm still waiting for payment. It will be in full, nothing less will satisfy the current terms. Since the original verbal contract was broken I feel at ease to create my own terms in this matter. He's lucky that I'm a nice person and all that I want is my due.
I'm still drafting a document to use for any future work. As several of you have pointed out, it only makes good business sense.