SQL SERVER 2008 Finding missing months between 2 dates

Hi,

I have 2 tables.

create table #Policies (idno int, startdate datetime,endDate datetime)
 insert into #Policies  (idno,startdate,enddate) values ( '1094567','2005-11-20','2008-04-30')
 create table #Payment (idno int ,ProcessDate datetime)
 insert into #Payment (idno,ProcessDate )
 select  1094567,	'2007-08-31 '
select 1094567, '	2007-09-30 '
select 1094567, '	2007-11-30 '
 select 1094567, '2008-01-31 '
select 1094567, '	2008-02-29 '
select 1094567, '	2008-03-31 '

I need to find the month/year that doesn't exist in table payment between the startdate and enddate in table Policies per idno.
The startdate in the example is '2007-07-20' and enddate '2008-04-30'.
In table payments for year 2007 there are no months 7, 10 and 12 and I see that in year 2008 month 4 is missing. I need to return the idno, months and year that is missing in the table.

I don't have a calendar table.

How can i do that?

Thanks