When we review your monthly payments one of the areas which we look at is your current balance.

Even if your account is in credit we may suggest you increase your monthly Direct Debit. This is because although your account is in credit now, based on your consumption forecast over the rest of the year your current payments will not fully cover usage. As a result we think your account is likely to build up a debt balance.

To reduce the risk of a buildup of debt we suggest a payment increase to keep your account in a healthy state.