I'm new here too. :) I had a similar experience in January. I started bleeding during the 9th week, went in for an ultrasound and they saw the embryo but no heartbeat. They called it a "missed abortion". However, they gave me a choice to wait it out, take a perscription (misoprostol) or have a d&c.
I talked it over with my midwife, and she said sometimes waiting it out can be painful and drawn out. I was comforted because she shared with me that she had gone through it herself multiple times. So I took her advice and took the misoprostol which excellerated the process and it was over in a few (quite painful) hours.
I am surprised they are making you wait so long, it was my understanding that it was kind of risky to have left over tissue in the uterus. I would have thought they would do a d&c once they saw your cervix was closed but with the embryo still there. Maybe you should insist on it at this point so you can be done with it. I would think that would be the best way to proceed.
I don't know if that's helpful, but I hope it's over for you soon. take care,
Julie (in the US)