I have been so moved reading this thread I had to post. I am furious on your behalf that in 2012 people are still living in these condtions in the UK. It's a national scandal.
I was brought up in house with one coal fire in the living room, with no other heating in the house. We had ice inside the windows. I can still remember how miserable the cold can make you. I can empathise with you all.
I am now in the extremely fortunate position of living in a double-glazed, insulated, centrally-heated home with an A rated condensing combi boiler. My heating is on twenty-four hours a day. I pay £62 per month for gas. Thaat covers my central heating, the odd occasion I put the gas fire on the living room on and the cooker's eight gas rings. (The ovens are electric). I pay £80 per month for electricity. Both of these are paid by direct debit, so perhaps I save money there.
I used to complain about my utility bills. I had a damned cheek.
Sorry don't know what else to say. 