Will the Refund Recovery System work on my home loan? We are yet to find a home loan that the RefundRecoverySystem does now work on. Our experience is that all home loans are based on the same banking formula for the calculation of interest. As a result our system will work on any home loan. What do I do when I find errors? Within the Refund Recovery System is a letter generator. You fill-in-the-blanks and send this letter along with printouts of your calculations and copies of your statements to your lender ... and then wait for your refund check.