I didn't claim any TRS on my mortgage for about 18 months and only applied for it back in February of this year. It is now being applied to my mortgage payments on a monthly basis but how is the refund paid to me i.e. the tax paid over the past 18months ? Is this sent as a cheque to me from Revenue or does my mortgage company repay it to me ? Whichever way it seems to be taking a long time