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Just reading through the thread and trying to work out based on the posts whether it's more cost-effective to pay by DD fixed amount and let some credit build up or just make a monthly one-off payment just paying what you owe, as we have been the last few years?

I'm now with Octopus, but setting up a DD on the website I can't seem to see how much it's set up for - a fixed amount or just what we owe each month?! Just put in my account details and which date I'd like to pay each month and can't seem to find anymore details than that!