You are one blessed young woman -- blessed with the ability to "take care of business". Bad things happen to all of us, but it really sounds like you have had more than your fair share. When this is all over with, you need a good hot cup of tea and a HOT BUBBLE BATH!
I am so very sorry that you are having this difficulty so close to the holidays. I hope everything is settled soon and you have your $$ back....
sending
