A word about those monthly payments.
The energy companies tellt customers it is for their benefit. Spread the cost and all that.
It isn't. It is for the energy companies benefit. It makes sure that most of its customers effectively overpay, so their account is in credit all of the time. When you are talking about hundreds of thousands of customers, all of that money (which does NOT BELONG TO THE ENERGY COMPANY until a bill is due) is sitting in the energy company account, earning them a lot of interest.
If you are being asked for a big hike, my advice would be to switch to the direct debit system where you only pay when a bill becomes due. If you are worried about finding a lump sum when needed then open your own savings account and pay a certain amount in each month.
after 3 bills or so you will know whether what they are asking you for is reasonable or not.
Energy companies are using people's fears about rising costs to ask for ridiculous increases to monthly direct debits. The discount they offer you for paying monthly sums may not be big enough to make it worth your while. If you end up overpaying by a hundred or so pounds a year, is a fiver off your bill worth it?
(due to a wrong meter reading a couple of years ago, I realised eon had over £500 in credit on our account. I asked for that money back, as it was not money they were owed, and I wanted it sitting in MY account earning ME interest. They were very very reluctant to give it to me. Kept telling me that knowing my account was in credit gave me peace of mind and made sure I had enough to pay my bills. I ended up asking them for legal evidence they were allowed to keep my money, and then they refunded it. Since then i have paid bills as and when they are due. I pay monthly direct debits into my own savings account to cover all household bills. I up it a bit over a winter to cover increased heating costs. It has worked so far)