Hi, for the last 6 months I have been paying extra into my bond over and above the required installment (I upped the debit order amount) with the intention of using this money when required in the access bond facility. I recently opened the access bond facility so i can access this money and was told that the surplus money that I have paid has gone to the capital amount of my bond. I was told that I can only access surplus money going forward and not from the past?!?! Firstly I did not instruct SBHL to transfer the additional money to the capital amount and what is the point of opening an access bond if you can't access the additional money that you have paid previously? I am a very unsatisfied customer as I believe this is not right and I am thinking of changing banks and taking my business elsewhere....