Hello everyone,
sorry this might be me being a bit silly but I can’t get my head round my energy account. I’ve always been in credit but obviously due to the cost of living things have spiralled and I’m now -600. My energy provider have emailed me to suggest that I increase my payments from 180 a month to 218. I just can’t afford it at the moment - they said the lowest I can pay is £130. I was going to leave it at £180 but I’m worried that they will make me go onto a pre payment meter, or that being in debit will affect my credit rating? To be clear I’ve never missed a direct debit, and the account review email they sent was apparently because they review all accounts every 3 months, but I’m worried I’m suddenly going to get a debt collection letter or something.
thanks