Last month I paid what I thought was the last payment to the hospital on my DH broken wrist (it only took 2 years!) I paid the usual payment because they had agreed to credit my account (should take forever to pay that one off!) with the rest. Instead I receive a check from them. Of course I got a letter complaining that I hadn't paid anything on my account that month. I called and the girl said she decided not to credit my account with the balance but that any future payments would be credited to my account instead of being sent back. I opened an emmigrant account and am awaiting the letter confirming it so I can figure out how to give ing referrals. , and apply for the "refund" through SA site. I hope I did everything right.