Ok I will clear up MY mistake here now.
I do keep a dedicated bank book just for immigration. This one time I needed the money.
What just happened was a combinstion of Google and clueless agents both telling me that the money in my retirement account must be topped up 90 days before my renewal instead of 60.
After looking at my book again the money was withdrawn 97 days after my last extension.
Thanks to all of you for the clarification. Would you believe that some agent was willing to fix my non existent problem for 20K.