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It's simple. They take money in advance from you, invest it, and pay you 5% interest - much better investment than saving with a building society. Apparently.

Really? That's the best value around at the moment. I'm tempted to pay them the whole of my pension lump sum. That'll show them! Every day is a school day on NSC :hilton::O:drink::xmas:

He's a lovely fellah, really :thumbsup:

You have mixed up my two gripes, there, old fellah. The energy bill, and the car insurance. The latter was sorted 15 years ago. The former issue only began in the last 12 months.

Climbing off my high horse....yes, the annual smoothing mechanism may work well for some. Not me, apparently. :thumbsup:

Sorry to have locked horns. I started out with a considerable amount of sand in my vagina, today, over this. In a pub we would have untangled this mysterious web in 30 seconds. All the best :thumbsup:

I don't wish to trigger an aneurysm. But with all the magic mushrooms you appear to have eaten, the risk is low. :thumbsup:

The I shall pay what I owe :shrug:

I change supplier every year. When did I say "ripped off" by paying for more than I have used (although what part of that isn't a rip off?)? When did I attribute this to not supplying readings? I did everything I am expected to do, including updating the company with real meter readings. I don't...

The more I read your reply the less I understand what points you are trying to make. Nobody is going to get cut off if all the companies are forcing customers to build up massive credit. And as I said, unless they allow me to build up an equivalent massive debt later, without penalty, it doesn't...

No. I don't really know any poor people. I don't know anyone who has lost a member of their family in a car accident either. Good quiz, though :thumbsup:

Yes. But my original post said this was ten years ago, not now. (It was probably quite a bit longer than that in fact. Maybe 15 years or even more. Time flies! Twenty years ago the idea of going online and shopping around for insurance or utility deals was not a general thing).

Yes, I have, now. I had no idea they would offer this. I had to rant a bit first (which, fortunately, is an easily-conjured part of my skill set). I recall getting a bit in credit (tens rather than hundres of pounds) for this with another company a few years ago and they absolutely ruled out...

Yes. I did that (in the original post) :thumbsup: Apparently, I can adjust my payments on their web site. Luckily, I have almost nothing to do so have plenty of time to deal with this, going forward....

For this to be true the energy company needs to be happy to let me get £700 behind in my payments, later this year, without charging me interest, threatening to cut me off, etc. Somehow, I don't imagine this will be the case.

Yes, I have been shopping around with utilities and insurance every year for around 15 years. I got the best deal for my utilities last year. The problem is they then decided to soak me with advanced payments.

I understand the bit about keeping the bills smooth, but that means I should now, in winter, be using much more than my DD is pulling, but the opposite is the case. Anyway, they were happy to offer a refund. With the insurance, I know now, but didn't know then, that you should never accept the...

I have a smart meter and am with Ovo energy, having switched a year ago using the advice of Martin Lewis. I just checked my latest bill. An amount was taken by direct debit. The result is that my starting balance has fallen by ten quid..... ....Instead of being £490 in credit, I am now £500 in...