Business ProfileforPlanet Home Lending, LLC

On 07/29/2023 a tree fell on our garage.  We filed a claim with our home owners insurance, **** ********* with a copy of the estimate.  Around the second week of August we received a check from insurance for $15,425.70 (#********).  Our Mortgage company PHL(Planet Home Lending), required that before we deposit the check, we endorse the check and send it to them with and estimate of the repairs and they would also endorse it and then send it back.  After some time, we contacted them as they had not sent it back.  PHL said "it must have been lost in the mail".  We informed them we would have that check canceled and send them another check.  We got hold of **** ********* and a stop pymt was put on that check, the second check came (#**********), we sent that endorsed check with a copy of the estimate to PHL again.  On 09/25/2023 we received (what we assumed of course) was the 2nd check back from PHL and deposited it in our bank.  By now that repair work was already done and we had to pay the contractors from our savings account, which was all we had.  Our bank informed us that their check had bounced.  Apparently PHL had indeed received the first check and  the second as well, kept the second check and sent us the stop pymt check.  We contacted PHL and said "overnight us our check".  They said they would not overnight it but would send it in the regular mail.  After some time, we called PHL again informing them we had not received it.  PHL stated it was mailed on 10/03/2023.  Today is 10/13/2023 and it stil has not come in the mail as of today.  Can you help us.