Owning your own home

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jellybaby in reply to @Haggis

it just gets added as credit to your account

My supplier gives me a monthly credit to my bank account for the government bit.

They also direct debit too much and have just decided a need a £1700 credit.

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Haggis in reply to @jellybaby

With Octopus when I moved house I didn't bother setting up a DD and now just pay bills as they come in. They don't seem to care as long as it's paid within 14 days. Saves me the high DD hassle. It works for me because I know I don't need to have an energy "savings account" for winter like they try to sell you as the benefit of a high DD.

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jellybaby in reply to @Haggis

I gave in to the random DD because many (most?) energy billers charge more if you pay on receipt of bill, even if a direct debit, and the money doesn't get much in the way of interest in my current account anyway.

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