Gas & Electricity Companies
Clearly use algorithms that are stupid
When working out your monthly payments they assume that your energey use will be the same in December as it is in June. Clearly this is not the case for 99.99999% of the population but still they use it.
It would not be rocket science to introduce an ALGORITHM that worked on the basis of actual average data obtained from your meter readings but will they? Like heck they will. Using a direct debit allows them to adjust your payments over the year depending upon your use. The only changes they will make would be to increase your payments. Like petrol prices, up in a flash and down sometime never.
That money of yours they have when you are in credit is free cash and can even earn them interest. Do they give that back to us?
Like heck they do.