Foghorn, the question is, did the people you made the payments to ever get the money? Or did they just get a credit in their account? A credit is fine, until you try to retrieve the funds and then can't.
(it's like the Hotel California for money)
Some people do seem to be getting their money; that's a good thing.
"The only way to stop a bad guy with a gun is with a good guy with a gun"