you've apparently never had someone double dip in your account.. A previous mortgage company took out 2 payments once, by mistake.. it took acouple of weeks to get it resolved. Initially, they didn't want to give me a refund, just cover my next months mortgage. Unfortunately, I wasn't making enough to take that hit in my checking account..

They eventually sent me a check (why not just deposit it back) and paid for the overdrafts that hit my account. I use Bill pay, but I push payments. They don't pull automatically.