Hey @gerry1 and @willmow , thanks for your input on this. It’s an interesting conversation.
We basically want to offer whatever provides the simplest and cheapest deal for our members. The idea from our members’ perspective is that they get consistency with their monthly bills and smooth out the seasonal fluctuation they’d otherwise experience.
We really don’t want people to build up a lot of credit (or debit) as that’s not actually the point. It should be just the right amount to balance out over a year. This is why you have the choice to lower your payments and easily request refunds. We can give advice on this at any time.
Going forwards, if variable direct debits are what you’re after, it’s 100% something we’ll consider. This is especially something we’re going to be looking into with the roll out of our smart meters, as they’ll unlock a lot of potential in accurate billing.