Thanks westie32, our mortgage came down by about 400, once the right interest was applied. But in the package that outlines all the months of incorrect payments. In the column where it states what we should have asked for, it was like 920 and yet the month straight after that it was 1050. Even though every month up to that in the column it was going slightly down. And I thought with the 11,000 going off the capital it was to keep it as it was described.