Hi there! Anasa here 👋 it's great to have you here! @meldrewreborn
is correct your Direct Debit is designed to build up a credit during the summer which will prevent a higher increase to your payments during the winter months.
At any time you can request your credit is refunded back to you all we'd need are up to date reads to make sure you're billed up to date and the credit balance is valid.
You can choose not to pay via Direct Debit, you can set up a standing charge for the amount that you think you will use or you can pay on demand, you'll notice though that some tariffs you have to have a Direct Debit set up to receive those rates but we have other tariffs that don't require a Direct Debit so you can choose what's best for you 😊