Oh my gosh I read this and was in that much shock dh asked what I was reading, when I told him he had the most stunned look on his face.
What an unfortunate thing to occur I can only imagine your mixed feelings.
Given what has happened you would think if you did need to use it that they would come to some arrangement with payment as it essentially is an unusual circumstance.
I hope the two you had transferred are just as sticky and you get a bfp.
Crossing my fingers for you and sending you a huge hug xo