Thanks, guys! What happened is that we closed on the new loan on the last day of October and they usually take the payment on the 3rd of the month. The old mortgage co knows there is a payout pending, but since they don't have it yet, technically they still own my house, and they say that they can't cancel the withdrawal from their end as it is too late. Since they are going to get a payout for the balance of the loan amount as of 10/31 in a few days, (as far as Im concerned) there is no reason for them to take the payment out today, because they'll just have to refund it. I just don't want to wait forever to get my money back. I've opted to allow the payment to go through, as I can deal with the $20 fee my bank will charge to stop the payment, but don't know what kind of fees the escrow company will charge, and in case of a problem somewhere, I'd like to be able to say I wasn't the one who messed things up.