Well, I just had a nice (as nice as people like them ever get, I suppose) letter from the debt collection agency telling me that my October payment was in arrears. *blink* No way that should have happened, so I called them.
It turns out that it wasn't my October payment, but the September one. Yes, the one that I went and had fits about (among other things) to my bank back then. They didn't make sure that the payment went through, as they promised they would.
I'll go and talk to them this afternoon after I've been to Estella and get them to redo that payment. *sigh* I really am beginning to despair of them.