Brigade did not provide their service either. A lender provides the service of lending money over a certain amount of time. This money is like a contractor paid by the hour, working at the borrower's service. Brigade should not be entitled to having that money back until that time has either elapsed or the borrower decides to alter the payments.

Another comparison would be me giving my wallet to a friend to buy something, then the wallet falls from his pocket into my landlord's hands, who declares this must be my next payment for rent. This does not sound fair.