To be fair we have had an installment plan in place for years, some people rely on this as its the way they have budgeted accordingly, to be taken away suddenly has affected these peeps. Not saying its right or wrong, just it could of been handled better like informing us that it was being withdrawn a lot earlier so these people could have saved. People have a reason to criticise and to those that find this a boring or repetitive thread you still found time to read and reply on it.