No, shibuya...
That's not the case always. Most consultants worth their salt, Do Not Sit on it. They have a reputation to maintain & they also need ur next instalment, asap. So, they will send u the med forms, asap too.
Morover, 99% CHC will send u also an email notification, prior to the meds, asking ur latest pics (provided ur email add is on the forms). Thus, u'd know. I got it & so did many.
U r right with the payment instalments. U must always pay in instalments fomat only, 'pay-as-u-go'. Do not pay in 'one lumpsum', though there'd be a discount. Generally consultants agree to 3-4 instalments, as:
1. Retaier fee: Imdt after they have assessed ur apps vis-a-vis ur quals+exp+supporting docs.
2. Instl-2: After AOR.
3. Instl-3: After Meds.
4. Instl-4: After Visa+COPR.
If it's 3 instls, then the inst-3 & 4 above, r clubbed. Thus, u r never a loser and needn't worry that he/she is not going to pursue ur case any more. Mine was in 4 instls. I'm with Worldwide.
And there is no need in cancelling the consultant, until he really goofs up with u, case wise or attitude wise. As I informed u earlier, ur consultant has no say in ur case, neither he can mess with it thru the CHC, nor can he try & fasten it up. He always remains an 'advisor' & a 'courier service' to u.
End note: With the new 'fast track' system of 2009, u actually do not need a consultant at all. We needed them as those days the apps process were different. However, if one thinks that even now, collecting & collating one's docs is a time consuming effort, one may then chose a consultant. Besides, these guys can/do provide u with imp tips, under complicated issues. Rest abt the matter is well dealt earlier in this thread. It's basically, is one's own call.