The columnist argues that energy suppliers’ direct-debit systems can require customers to build unnecessarily large credit balances, effectively giving firms access to money before it is owed. He says this is particularly troubling during a cost-of-living crisis, as households lose potential savings interest while suppliers benefit from holding the funds.

The article follows Ofgem’s announcement of a 3.6% rise in the gas and electricity price cap, estimated to add £60 to the average annual household bill. The writer says his supplier planned to raise his monthly payment from £156 to £210 despite his account being £531 in credit, and contends that suppliers’ calculations overemphasise worst-case winter costs rather than reflecting seasonal usage and existing balances.