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If you want your rent returned to the landlord its great. For the second time in six months. It was bull. The second time it was my landlords bank at fault and their bank told mine to let me have my NSF charges be returned to me and they would be paid by landlords bank. The not only refused when I went into the bank they had taken $100 claiming I was overdrawn by that amount. $1300 was deposited just two days before.