Is it the same bank? Duh. Otherwise that would make sense if you changed companies/accounts. That's shafting the customer at face value, whether they were dumb enough to take the loan or not. This restructuring stuff is a get-out-fast tactic that still may not work for most people who are still not financially educated (the real problem banks are likely complacent with I'm sure). So keep them constant, keep it simpler and educate people on what their dumb asses can actually afford!!