Here I am, still waiting.  My balance owed was officially $0 on Sept 1st, but I had to pay Sep and Oct payment due to what my trsutee told me.  My balance on hand is $1752.  I was hoping that I would get my letter and refund before Christmas, but it's not looking good.  I have money set aside to make my Nov payment if I don't get anything by 23 Nov.  I just don't understand why it takes so long and why I have to keep paying them if I have so much money in my account. :-(

Sorry, just had to whine.