Exactly. Also, every energy company I've dealt with in the UK does their very best to ensure you're always in credit. They "predict" your usage wildly inaccura

Exactly. Also, every energy company I've dealt with in the UK does their very best to ensure you're always in credit. They "predict" your usage wildly inaccurately (even if you give monthly readings and they have years of your historical usage to analyse) and adjust your monthly direct debit how they see fit.