For any periods before 1st April 1993, we apply 15% pa to the payment. Thank you so much for this. !parseInt(qs)); Another scenario that could create a refund is if you receive a refundable tax credit that is larger than the amount you owe. This protection means that if a member of the armed forces was unable to work due to one of these reasons, they would still be able to meet any mortgage, loan or credit card repayments they had. ... says the IRS didn’t give her a clear answer about whether her refund … Prepayment Calculator. Rev. if (qs) { /*