I recently bought a car that I paid for using an ACH over 3 months ago. Yet, the money has still not left my account. Could it be that they just forgot to accept the payment? I have been in touch with them up to last month but neither of us has mentioned a payment issue. In my eyes, it should be their responsibility to follow through if they haven't been paid. What is the expiration for something like this? Maybe I just put the money aside into an account to gain interest?