Because they said by the time winter comes around it would be used up

But I argued you take the stupid amount every month based upon your figures!! So
I'll be in credit with you of 1.5K every year! 
At that stage I made them pay me back with interest! So I now pay every QTR via post office!
It’s easy for people to be complacent and trust everything is okay!
People losing their jobs getting into debt and rising utility bills so why should people pay more than they should?
Utillity bills out strip Mortgage payments these days!