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While I agree that we broke the verbal agreement, I do not assume that most deposits are non-refundable. Often security deposits are returned at the end of a lease period or applied to rent. It was not made clear in either case. As for the stop payment, I guess we will just have to wait and...

My husband and I discussed renting an apartment with the landlord over the phone. After some discussion we agreed to rent it and the landlord asked us to send in an application with a $400 deposit to hold the apartment. Nothing was said about the deposit being non-refundable and no lease was...