Hope you well. The place has not been the same without you.
LOL Christmas! It's still quite a way of yet. But I suppose some people are already planning for it!
Lets enjoy Summer while it lasts.
So sorry to hear about your Mum.
In respect of your points. One of the payback conditions is that your sim has to be used in the last three months of the payback period. So since 1st September. Not sure if this could be what has happened.