After you file

I do not think that TT gives us a choice, regarding the third parties. I do not know how it works, and I do not think that somebody who has a refund over $10000 choose the  third party.  TT decided. And I did not accuse anybody that has to work with a third party. The problem is the quality of that 3rd, 4th, etc party, which does not do their job.

On the other hand, as you said, everybody have their own problems. Why to add to our problems, those created by poor and poor quality of those services. If they are not able to perform, they should  shut down.  Who knows? Maybe they "invested" those refunds in the market on the wrong side? Or somebody from that service rob the bank, etc.

Of course, we do not care what is the motive. We do not need explanations. We are in usa, not in the third world. This is why we are here. This is why we pay big taxes. We can accept an accident, once in a while. But here, many people complain that nobody answer their calls, the service does not perform. This is the most frustrated. To be treated like their slave, not like their master. What virus? We will have viruses permanently, all the family of this covid and the next to follow. So what, we must loose our mind, our responsibilities? Since when? Thank you.