Its simple logic.. firstly, we read terms & conditions but never truly understand its workings because its so lengthy. Apportioning blame now is unnecessary because your mutual agent did a poor job.. Remember bro... its an agreement of 5years u signed not 1year. Now, your decision to discontinue is already a breach of agreement. We all know that breach of any form of signed contract results in penalty.. The decision to wait till 2016 to receive your money wasn't your making, it was the deal you signed up for also forgetting that you weren't servicing the ISP account anymore. Obviously, a dormant account for the company and there is nothing for them to work with rather than debit you. NB:the interest rate works on a 30day interval, if you even carryover payment into the next month you have lost the previous months interest. They never tell you that..
Well, I'm just trying to explain better in ways you can understand & know where you went wrong because it could happen to anyone even me.. Experiences are meant to make us wiser and not haters of the experience..