I know I have a unique bubble of friends and acquaintances and this probably isnt the sentiment across the UK, but 4 people (2 single mums and 2 families with kids) have told me they've cancelled their DD, gone quarterly billing and are just going to get into debt over winter and have no plan/ability to fully pay it off. Just kick the can further down the road for as long as possible.
I know I have a unique bubble of friends and acquaintances and this probably isnt the sentiment across the UK, but 4 people (2 single mums and 2 families with kids) have told me they've cancelled their DD, gone quarterly billing and are just going to get into debt over winter and have no plan/ability to fully pay it off. Just kick the can further down the road for as long as possible.