Skip to main content
Rank 1
November 22, 2020
Solved

I have lots of credit in my OVO online account - why are you suggesting a large increase in my monthly Direct Debit payment?

  • November 22, 2020
  • 75 replies
  • 3864 views

why do ovo even though ive never missed a payment and im £110 in credit continue to threaten to raise my payment by £ 80 a month ,we are in the middle of a pandemic people are dying or losing there jobs and we get these threats to nearly double monthly payments based on ovo and there crystal ball and what you may or may not use energy wise over the next 6 months

Best answer by Transparent

Updated on 08/09/25 by Abby_OVO

 

How do Direct Debits work?

 

A Direct Debit is an automatic monthly payment set up with your bank or building society. You can choose which day you want the payment to go out each month, and your bank will sort the rest.

 

Once your Direct Debit is set up, you don’t need to do anything else to make your payments.

 

Why is paying by Direct Debit the best way to pay?

 

Direct Debit is usually the simplest and cheapest way to pay for your energy. This is because:

  • You don’t have to remember to make payments each month – it’s all done automatically 

  • You’ll get a cheaper rate if you’re on our variable Simpler Energy tariff

  • You’ll pay the same every month for your energy, which can help with budgeting

  • A Direct Debit spreads your energy costs evenly over the year, which means you’re less likely to have to pay more in winter

 

How does OVO work out my monthly Direct Debit?

 

The aim is to make sure you have credit for 1 month’s payment in your OVO account by the end of March. This is to help cover any change in your home energy use over the course of the year. 

 

For new customers, this only comes into effect once you’ve reached March. When you first join, the aim is to make sure you have no balance left to pay after 1 year.

 

Your Direct Debit payment amount will be regularly reviewed to make sure it still covers your home’s energy use.

 

Why is my Direct Debit increasing when my balance is in credit?

 

It’s normal for a credit balance to build up in your energy account over summer, when energy use is usually lower. This credit can help pay for your energy in winter, when most homes use more. It helps you spread your energy costs over time. 

 

Even if your energy account is in credit, sometimes your Direct Debit payments still need to increase.

 

This could be the case if we’ve worked out that your OVO account is likely to have a debt balance long term – based on how much energy your home is predicted to use. 

 

You can always choose to get a credit refund if you prefer. Request one at any time in your online account, in our app, or over the phone. You just need to leave credit in there for 1 month’s payment. This is in line with our refund policy.

 

It’s important you have all the info, then you can decide what’s best for you.

  • If you request a refund online, sometimes we’ll need to confirm this over the phone. This is to make sure you have the details of how it’ll affect your energy account.

  • Getting a refund might mean your Direct Debit payments will need to increase, once your account has less credit in it.

 

 

For more on how Direct Debits work, check out our handy YouTube video: How do direct debits work?

 

Need more help?

 

If you’re worried about your payments changing or you can’t afford them, please speak to our team. We can make sure you get financial support that’s tailored to you and your situation. There are many options available for anyone who needs help. To get in touch with our team: 

  • Sign up to our online tool at ovoenergy.com/payment-support and we can find the best plan for you.

  • Call us on 0800 408 6615. We’re here Monday to Friday, 9am and 5pm, and 9am to 2pm on Saturday. 

  • Talk to us online at ovoenergy.com/help Monday to Friday, 8am to 6pm, and 9am to 2pm on Saturday. 

 

​​​​​​We’ve got some other topics on the Forum which may also be helpful if you’ve still got questions about how Direct Debits work:

 

 

 

75 replies

Blastoise186
Super User
Super User
November 22, 2020

Good morning @enlighten me ,

I’m really sorry to hear about this. I can’t access your account, but I can help you check a few things to give the right advice. It sounds like the platform might have made a mistake, but I can help you to check.

Firstly, can you fill out your forum profile please? It helps us to help you faster.

And if you can answer these questions, that would be great

  • Are you a Duel-Fuel member, or just Electricity Only
  • What tariff are you on
  • Have you ever missed a payment
  • Are your readings up to date on your account
  • Do you have a smart meter

If you can answer those for me in your next reply, I can try to help you out.

Thanks

Securing energy by zapping security bugs... For that is The Blastoise Way! Remember, I'm just like you - AI Powered Evil Geniuses aren't Staff!
Transparent
Rank 20
Rank 20
November 22, 2020

Updated on 08/09/25 by Abby_OVO

 

How do Direct Debits work?

 

A Direct Debit is an automatic monthly payment set up with your bank or building society. You can choose which day you want the payment to go out each month, and your bank will sort the rest.

 

Once your Direct Debit is set up, you don’t need to do anything else to make your payments.

 

Why is paying by Direct Debit the best way to pay?

 

Direct Debit is usually the simplest and cheapest way to pay for your energy. This is because:

  • You don’t have to remember to make payments each month – it’s all done automatically 

  • You’ll get a cheaper rate if you’re on our variable Simpler Energy tariff

  • You’ll pay the same every month for your energy, which can help with budgeting

  • A Direct Debit spreads your energy costs evenly over the year, which means you’re less likely to have to pay more in winter

 

How does OVO work out my monthly Direct Debit?

 

The aim is to make sure you have credit for 1 month’s payment in your OVO account by the end of March. This is to help cover any change in your home energy use over the course of the year. 

 

For new customers, this only comes into effect once you’ve reached March. When you first join, the aim is to make sure you have no balance left to pay after 1 year.

 

Your Direct Debit payment amount will be regularly reviewed to make sure it still covers your home’s energy use.

 

Why is my Direct Debit increasing when my balance is in credit?

 

It’s normal for a credit balance to build up in your energy account over summer, when energy use is usually lower. This credit can help pay for your energy in winter, when most homes use more. It helps you spread your energy costs over time. 

 

Even if your energy account is in credit, sometimes your Direct Debit payments still need to increase.

 

This could be the case if we’ve worked out that your OVO account is likely to have a debt balance long term – based on how much energy your home is predicted to use. 

 

You can always choose to get a credit refund if you prefer. Request one at any time in your online account, in our app, or over the phone. You just need to leave credit in there for 1 month’s payment. This is in line with our refund policy.

 

It’s important you have all the info, then you can decide what’s best for you.

  • If you request a refund online, sometimes we’ll need to confirm this over the phone. This is to make sure you have the details of how it’ll affect your energy account.

  • Getting a refund might mean your Direct Debit payments will need to increase, once your account has less credit in it.

 

 

For more on how Direct Debits work, check out our handy YouTube video: How do direct debits work?

 

Need more help?

 

If you’re worried about your payments changing or you can’t afford them, please speak to our team. We can make sure you get financial support that’s tailored to you and your situation. There are many options available for anyone who needs help. To get in touch with our team: 

  • Sign up to our online tool at ovoenergy.com/payment-support and we can find the best plan for you.

  • Call us on 0800 408 6615. We’re here Monday to Friday, 9am and 5pm, and 9am to 2pm on Saturday. 

  • Talk to us online at ovoenergy.com/help Monday to Friday, 8am to 6pm, and 9am to 2pm on Saturday. 

 

​​​​​​We’ve got some other topics on the Forum which may also be helpful if you’ve still got questions about how Direct Debits work:

 

 

 

Save energy... recycle electrons!
Tim_OVO
OVO Staff
OVO Forum Legend
November 24, 2020

@Transparent keen to hear what you think of my feedback. I think this chart has the potential to make all of this really clear as a visual aid. 

Carbon neutral - we need a community to get there! My green tech: Aclara SGM 1411-B smart meter, Chameleon IHD6
Transparent
Rank 20
Rank 20
November 24, 2020

I’ll send you the master copy of the chart, @Tim_OVO. You can then forward it to a specialist in Billing Dept and tweek what needs tweeking!

Save energy... recycle electrons!
TomThumb
Rank 6
Rank 6
November 24, 2020

Just to add my point of view.

Having a gas supply that is the reverse of normal seasonal usage, has always caused problems with the automated projected usage systems over recent years, It has High usage in the summer / zero usage over winter.

 

My account is always fun this time of year when the weather starts to get colder :grinning:

 

Today my recommended DD payment has changed yet again, only a +10% increase this time, so long as the status is only flagged as recommendation & not a requirement, I’m happy 😃 


Tom...

3 meters: Smart Gas & Smart Elec / Traditional Gas meter
Blastoise186
Super User
Super User
November 24, 2020

Wait… Zero gas usage? Do you turn off your gas supply all winter then? :grin:

To be fair, I’m also one of those weird edge case members. Because my usage throughout the entire year is always really low (I only pull around 100 kWh of eco juice a month on average!), I always throw the number crunching out of sync when seasons change.

It is something I’m keeping a close eye on however, since I can probably use my account to help train the platform to not be so eager to fiddle with payments when it’s not needed.

Securing energy by zapping security bugs... For that is The Blastoise Way! Remember, I'm just like you - AI Powered Evil Geniuses aren't Staff!
TomThumb
Rank 6
Rank 6
November 24, 2020

Wait… Zero gas usage? Do you turn off your gas supply all winter then? :grin:

 

 

Only 1 of my gas meters is shutdown for winter, my other gas meter & boiler are working overtime:grinning:

Some ancillary electrical equipment used in conjunction with the now zero gas supply is also switched off for the winter, throwing my projected electric usage out as well.

The estimated usage for the now dormant gas supply had been dropping steadily over the last couple of statements as it has not had any usage since September, but it was still about double the actual kWh.

Now with the onset of winter, the estimated usage is back up by another 30%.


Hence the need to get my account & billing in order, 

Tom...

3 meters: Smart Gas & Smart Elec / Traditional Gas meter
Rank 3
September 4, 2022

OVO has just shown this for me after I have inserted my 12th month meter readings I just cannot understand “how” OVO expects me to give them £6,324 by DD for the useage of around £4300 to £4500 for the year cannot anybody offer an insight other than OVO stacking customers money without thought for there customers ?

OVO quote to me today 04/09/2022:-

“Your balance is set to be -£4,001 by the end of your 12 month billing period. Your minimum monthly payment should be £527”

Blastoise186
Super User
Super User
September 4, 2022

Hi,

This one sounds like @Jeffus , @nealmurphy and @meldrewreborn are more likely to be able to figure this one out than I can. I’ll see if they’re around. Bear with me!

Securing energy by zapping security bugs... For that is The Blastoise Way! Remember, I'm just like you - AI Powered Evil Geniuses aren't Staff!
Rank 3
September 4, 2022

I see OVOs founder Stephen Fitzpatrick empire including OVO has racked up £300m loss and OVO holding company Imagine Industries losses has widened in the last 3 years so perhaps there is a plan to recoup by hoisting DDs so as to cushion the business?  There seems to be no thought for customers who been paying £175 and then £193 DD and have been paying there bills can suddenly jumped to £500+ DDs there is no thought about capability to be able to pay.