Are you sure that you haven't signed for auto debit? If you have an account with the bank and you don't make clear instructions, they will auto credit minimum amout due. THat's the small print. When agent came home and asked me to sign allover the form I asked him to leave it and collect it next day. He finally did did that reluctantly and even grumbled that I hadn't opted for any bill pay which they said is mandatory. THis way I had enough time to go through the fine prints overnight and decide what I wanted to do. I have not faced any problems so far.
