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You will have to call them and write them. And as noted, yes you will have a suit, but it may be an issue that it will take 30 to 60 days for the accounting to process and refunds to be issues.

A...

If this is a large company, and you owe other money, like a balance but monthly payments, that payment will just be credited to your account.

If you do not owe them money, It will show up as a...