[dl1234]

This last message finally made me get my act together and switch away from EON.
I found the tone of it to be rather aggressive and totally unnecessary - especially the last paragraph.
I am fed up with effectively having to prepay and provide EON a free loan.
I am perfectly capable of managing my money and my bills.

That in-credit line was before they took the current DD which would have been taken a couple of days after this message and put me well in credit again.

Looks like the ups and downs are only OK if they are in EONs favour.


We're here to help you keep your account in good shape and make sure you don't build up too much credit or debt.

Even though you're in credit by £123.63, you're using an average of £26.34 more each month than your current Direct Debit (DD) payment covers, which means your account balance is £258.36 behind where we'd expect it to be at this time of year.

It's perfectly normal for your balance to go up and down as the seasons change and you use more or less energy - you could be in debt at the end of winter or in credit at the end of summer.

But sometimes you can build up too much debt, which is when we'll ask you to make a one off payment and change your payment amount. This is to get your account back on track and make sure your payments cover your ongoing energy use, to help you avoid building up debt over winter when you use more.

What you need to do.
The quickest way to get your account back on track is with a one off payment of £258.36 on a credit or debit card, and by changing your monthly DD to £187.23. Just tap the button below to make a payment online, or give us a call and we'll help you sort it.

If you don't do this we'll change your monthly DD to £208.76, starting with your December payment. We'll also continue to review your account regularly to check your DD is set to the right amount.

[meldrewreborn]

@dl1234

Their statement is absolute nonsense and completely contradictory.

If you are in credit you could reasonably expect that credit balance to diminish into the winter months and even go into debit, indeed they acknowledge that with

"It's perfectly normal for your balance to go up and down as the seasons change and you use more or less energy - you could be in debt at the end of winter or in credit at the end of summer."

They then say "But sometimes you can build up too much debt, which is when we'll ask you to make a one off payment". Two issues here 1) you're not in debt, and 2) who decides what is "too much debt"?

My approach is to give them up to date readings, then ask for all your credit back, and then set a new DD, which will mean your account will go into debit through the winter months, which as they've acknowledged "It's perfectly normal for your balance to go up and down as the seasons change and you use more or less energy - you could be in debt at the end of winter or in credit at the end of summer."

I hope your new supplier is better, but I suspect that this tactic will apply everywhere. But by moving you'll actually achieve what my tactic suggests - your credit back and a new DD!! But in 6 or 9 months time they'll likely try the same thing.

[DebF_EONNext]

Hey @dl1234 welcome to the community!

It sounds like payment adequacy has been run on your account, this happens automatically every 3 months. If you have just been billed and are due to make a payment it doesn't take into consideration any payments that are scheduled that have not yet been collected.

The aim is to have your account in good standing for the winter so that if it's a cold one you don't fall into a debit balance and struggle. How much you need to pay is however based on your Estimated Annual Consumption (EAC) if this goes up or down then your direct debit would be amended to match your usage. If however your EAC is incorrect perhaps due to estimates etc then this can have an impact on what we ask you to pay.

This is why it's super important to ensure your meter readings are up to date and accurate as it gives a clearer picture of your usage. If you struggle to give readings then a smart meter might be something to worth looking into. If however you think your EAC is wrong (you can find this on your latest bill) then you can get in touch and we can look into this.

If you want to amend your direct debit you can manage this via online via your online dashboard you can also ask us to complete a review of your account to make sure everything is up to date and that you are paying what you should.

Are you on a fixed direct debit? If so then it might also be worth considering if you would prefer a variable direct debit - where you pay for exactly what you use each month rather than a fixed amount each month 😀 it doesn't change your tariff only the way you are paying!

[geoffers]

Originally Posted by meldrewreborn

@dl1234

Their statement is absolute nonsense and completely contradictory.

If you are in credit you could reasonably expect that credit balance to diminish into the winter months and even go into debit, indeed they acknowledge that with.

Agree totally: Let's face it - everyone complains when their balance goes into credit over the summer months, with the inevitable response that they're effectively lending the supplier money.

But I haven't seen a single "thanks" in the winter months when their balance goes into debit and they're borrowing money from the supplier.

If the account balances out correctly over the year, the summer credit (lending) and winter debit (borrowing) must also cancel each other out