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Rank 1
November 22, 2020
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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

Jeffus
Rank 20
Rank 20
September 27, 2022

From the page

Paying by direct debit is cheaper
While there are problems, there's one important fact in favour of setting up a monthly direct debit – it's usually about 6% cheaper than any other way of paying.

Rank 2
September 27, 2022

If you go into the tabs all suggestions are there. It is worth your time to go into everything, you can even make a complaint about your provider 

Emmanuelle_OVO
Retired Moderator
Retired Moderator
September 28, 2022

Hey @Daveandjack,

 

Welcome to the OVO Online Community.

 

I can see our community members have already given some really helpful advice here.

 

No it won’t be cheaper ! @meldrewreborn has pointed out loads of times on this forum that paying by direct debit is cheaper by about £200 a year ! 

 

 

It’s cheaper to be on the Simpler Variable by direct debit, instead of on demand. 

 

Being on direct debit also ensures that you are paying an average throughout the year, which means you won’t have really large bills to pay over winter. The reason you have built up a credit balance is to offset your increased usage over the winter period.

 

We have a really great guide about how OVO calculates direct debits:

 

 

Check out this feature on your Online Account which will tell you exactly how we have calculated your direct debit including any credit balances:

 

 

Your direct debit increase would be because of the price increases in October which are in line with the Energy Price Guarantee. Which is in addition to the Energy Bills Support Scheme

 

Hope this helps. 

Renewable Energy? Big Fan.
Newcomer
October 14, 2022

August 2022, OVO tried to increase my DD from £227 to £364 even though I am building up a credit of +£60 each month. I was fortunate to get this resolved and get my DD back to £227.

Today, I’ve received another email about my DD. They want to increase it from £227 to £339.

Currently, after my next bill I expect to be £250 in credit. My average monthly usage for the last 4 months has been £165.

How the hell can they justify a crazy increase of £112 a month? 

There’s Not a chance in hell am I going to allow them to increase my DD.

Blastoise186
Super User
Super User
October 15, 2022

If you wish to request a Direct Debit Review Suspension, you can try calling 0800 069 9831 until 2pm today.

Please be advised that there’s a limit on how many times you can request one each year.

There’s also a support package available.

Details at https://www.ovoenergy.com/customer-support-package

Fastest sign up option at https://www.ovoenergy.com/winter-support-delivery/sign-up

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!
Newcomer
October 15, 2022

Thanks for your reply, unfortunately I missed the 2pm deadline. I have logged a complaint online and will be calling them on Monday morning.

It's disgusting that they think they can dictate to us how much they can take out of our banks without our permission and without any sensible justification. I’m using nowhere near what they estimate. They need to fix this before anything else.

I don’t mind being in credit but being £355 in credit and demanding an increase of £112!!!

I don’t need a support package either, I am not struggling financially and can manage my bills quite well. It appears that Ovo want to use us all as a cashpoint, and I’m not having it.

Has anybody reported this activity to the Ombudsman and had any success?

Tim_OVO
OVO Staff
OVO Forum Legend
October 17, 2022

Hi @daver66 

 

We would expect any account which hasn’t recently switched to OVO to be in credit at this point in the year. That’s because we try and calculate a payment that stays the same all year round. You pay more than you use in the summer, you build up credit, you use more than you pay in the winter, you eat into your credit. You end up with £0 by your contact end date. 

 

With higher prices this winter, those credit balances need to be higher than we’re all used to. £355 credit may end up not being enough. It sounds like that’s what our calculation is suggesting. Have a look a the monthly predictions here: https://account.ovoenergy.com/payments/direct-debit/calculator

 

As blastoise mentioned, if you think there’s been a mistake you are able to request a freeze to the payment review. 

 

Carbon neutral - we need a community to get there! My green tech: Aclara SGM 1411-B smart meter, Chameleon IHD6
Newcomer
October 18, 2022

Good news, I resolved my issue on the phone yesterday morning.

The main problem appears to be my estimated usage for the next 12 months is approx. double my actual usage. This would put me approx. £2000 in credit.

A ticket has been logged for someone to adjust my predicted usage to closely match my actual usage. Hope others find this helpful.

December 2, 2023

Since December 2022 I have been unable to alter the Direct Debit on my online account despite having a decent Credit.

I telephoned OVO and was told it would be reviewed in April and would decrease however the online Direct Debit function would STILL not work and I cannot get anyone to understand this

The ombudsman wrote to OVO on my behalf and yet the DD function still does not work.

I am not going to keep contacting OVO to wait on the phone and go through stressful conversations asking them to review my account every month.  I want to live peacefully with the option to alter the Direct Debit (as long as I am not owing). This is controlling my personal finances and affecting other suppliers that I have to pay and so I have had no other choice but to cancel the Direct Debit.  I prefer to pay more per year for personal autonomy than have OVO Big Brother tell me how much money I should give up front for service I have not yet received.

I now submit meter readings monthly and pay the amount due exactly a day later and keep the Credit in the account just in case.

I suspect I will receive a generic - ‘You can easily set up a Direct Debit by going to blah blah link’

I would prefer someone to fix the issue and allow the User to reduce their DD through their online account without having to wait over an hour on the phones (clearly OVO customer service are unable to handle all the calls) and then having a debate on how I should spend my own hard earned money with OVO instead of earning Interest on it in a bank!

Jeffus
Rank 20
Rank 20
December 2, 2023

Hi @MrM 

Sorry to hear about that

I am just a customer like you and no one on the forum can access your account.

Have you made the Ombudsman aware of your continuing issue?

What specifically did the Ombudsman ask ovo to do?

You may already know this.

If you cancel your DD you will end up paying more for your energy as the ofgem price cap is higher if you don't pay by DD. If you are happy paying more then that is fine.

At any time if you pay by DD you can request a refund of credit. You can request 100% if you are on a variable plan. You need to leave one month if on a fixed plan. Simply phone ovo collections 0800 069 9831

In case you haven't seen it