Owning your own home

I'd guess that overcharging is structural to them - they gamble with the whatever overpayments to make moar dorrah so they can get more helicopters I mean supply cheaper product. pisses me off no end, too, mostly because when you do move getting the final balance sorted out is always a massive headache.

That was kind of my point. They have this technology that basically means they can stop guessing how much of their product you consume, so what do they do with it? Fuck knows because the obvious answer of "improve the customer experience" doesn't seem to have dawned on them yet.

Also - holding credit balances is not hard if the supplier only sends you quarterly statements and then caveats the balance such that you think you'll burn through it in the next quarter. It's all bollocks and they don't pay interest. It's free financing for them.

I should switch to @amey 's provider so I can just stick all my savings with them as massive over payments. 3% is not bad.