Hi PoorStudent,
Your post resonates with me strongly. I'm currently on "temporary withdrawal" from a fully-funded ESRC (DTC) scholarship I obtained at a prestigious institution. In the meantime, I have got myself a position working within HE whilst I chew over my options concerning the PhD. The duration of temporary withdrawal is around 1 year for myself; with this in mind, is this an option for you?
With regards to funding, from the date I went on temporary withdrawal my income from the scholarship ceased (I was paid on the 1st of every month). I haven't had to pay anything back, and if I did decide to "permanently withdraw" then I would owe nothing to the University or the ESRC. CAUTION: Whilst this is the case for myself, I HIGHLY recommend you evaluate the terms and conditions of your scholarship in order to determine whether or not you will be punished, for want of better words. In addition, if you're unsure I would also recommend contacting the administrative people responsible for the scholarships to seek advice.
Good luck my friend.
MoC