I have to ask....
Why the
didn't you know you had already used up your deposit?
Seems like you could have saved us all a wasted effort reading this thread if you had been responsible for your own finances instead of expecting your FTO to babysit you!
and of course if you had been following your costs while you were training, why did you not withhold the $500 from your final payment?
Or am I being too simplistic?
Perhaps a little more personal responsibility was in order here?