Thanks for all the responses.
Here is a bit of an update. It has taken over a week of phone calls to get to a solution I can live with but I didn't just want to post and run. Lots of little issues have been explained so sorry this may be long, but may help someone else.
To recap This is British Gas for both gas and electric..
They have recently changed their entire website and migrated all their customers to the new system. This means you cant see readings, bills etc all in one go. You have to go to different pages to see the old readings and they will only be available for 6 months, so BG CUSTOMERS GO AND DOWNLOAD THE RECORDS NOW.
Took 1hour 25mins to speak to a person,she was very nice. (thought I had got it sorted) ......read on LOL
You can not decrease your direct debit via their website
You can send a meter reading BUT if they think its too low they will not accept it.
You have to contact them by phone. The reason for this is that their computer calculates all the figures on the AVERAGE household (not previous readings) I explained I was not an average household and barely judged as normal !
Gas is 8.80 standing charge per month . before using ANY units.
My boiler packed in MONTHS ago They accepted my info and my new DD is 20 a month (with 148 in credit) I know they owe me money, but If I can get my boiler fixed soon it gives me a bit of a buffer for winter.
Electric is 15.50 standing charge per month. before using any units. I have a VERY low usage compared to others that their system couldn't cope with.
I have a fridge freezer on all the time and a washer that i use once a week. I use my laptops for music, tv. FINALLY they accepted my low usage and am actually 500 in credit.
They wanted 178 per month. I have reduced this to 100.
I KNOW that's a lot of money to be held in credit BUT with winter coming I will not have to worry about putting on a heater if its really cold, again like the gas credit its a buffer.
OF COURSE IT ALL WENT WRONG !
British gas tried to take all the old amounts out the following day.(I Had cancelled the old direct debits) lots of nasty emails. Checked online and NONE of the agreed changes had been made.
HOURS on the phone to speak to a person again who said, sorry, colleage obviously didnt know how to do it right!
So stick with it if you have to complain. You don't need a smart meter to keep monthly records, keep your own. BUT I am now taking a photo of the meter reading each month.( that was a tip from the British gas guy)
Thanks all. hope you all can find solutions if you are in a jam.