<prompt> Human: I was just reviewing my bank statements and discovered that Ive been getting charged twice a month for my neighborhoods HOA fees. I think I made the mistake of signing up for auto-pay in the mail, then forgetting about it and signing up for eBill Pay on my banks website. Ive been getting charged twice a month for a year now. Yes, Im apparently clueless about my finances but Im working on getting better. My question is does this mean I have 2100 150x14months credit on my HOA account? Can I call them and have them issue me a check? What do I do? obviously I want my money back since I was only paying it by accident. I already canceled the eBill Pay.Update: The office has been open for 2 and a half hours, and only two people have access to financials. Those two people are the wife and husband that own the HOA management company. Neither of them are answering their phone. According to the employees, they sometimes go weeks without ever coming in to the office and are known to not answer their phones because they dont like talking to homeowners.Update2: I got my refund check. Yay!Assistant: Yes, contact your HOA. You are entitled to your money back. However, instead of cashing it out and spending it, place it aside as your emergency fund and start saving.Human: Follow up question, I have exactly 2000 in credit card balance from when I was transitioning to a new job. I should pay that off first, then begin emergency fund, right?  <response>: Yes, youll save more by not paying CC interest than you would make in savings interest. 