Signing up to an annual direct debit payment plan from your energy supplier is supposed to help prevent bill shock as your payments are spread equally throughout the year. But it might not work like that...
DVLA regional offices to be closed

Staff affected by the DVLA office closures may be relocated to the agency's head office in Swansea
The Government is to close the Driver and Vehicle Licensing Agency's (DVLA) 39 regional offices in a move affecting more than 1,200 staff.
Roads minister Mike Penning said the centralisation of the agency's services would save around £26 million a year.
It is hoped some of the staff affected will be able to relocate to the head office in Swansea and no offices will close until late next year.
MPs in areas where jobs could be lost said the move was "a false economy" and would do nothing to combat motoring tax evasion.
Mr Penning said the DVLA reforms would provide a better, quicker service for motorists, with services centralised and more transactions available online.
He went on: "The DVLA has been serving motorists for more than 40 years but times and customers' needs change. That is why the agency continues to transform its services to give customers more choice and flexibility while offering best value for money for the taxpayer.
"These changes - developed after carefully listening to views expressed at consultation - will ensure that the agency delivers a smarter service to bring real benefits for the motor industry and every motorist in this country."
Labour MP John McDonnell, the chairman of civil service union the PCS's parliamentary group, said the decision would "have a devastating effect on the service available and clearly ignores the needs of drivers and small businesses, the elderly and those who are not IT literate".
He went on: "This is a Government car crash. Their manic office closure programme will be entirely counter-productive."
Gregory Campbell, DUP MP for East Londonderry in Northern Ireland, where more than 200 jobs could be lost, said: "The announcement will do nothing to combat fraudulent activity ... and is an extremely retrograde step."
related stories on msn
latest money videos
more on msn money


The iconic Cotchford Farm in East Sussex goes up for sale for £2 million.

We look at which option will bag you a nicer home in a better neighbourhood.

Whether you have credit card debts or an overdraft or a stack of store credit, you can get back in the black for very little cost.

Because the sun has to shine eventually...

Nearly half of UK households say that they would struggle to cope if their monthly outgoings rose by £99. We look at how you can create some financial 'breathing space' to help you out if you lose your job or become ill.

Avoid these mistakes if you want to lead a richer life!

Save regularly to nab a leading easy access ISA rate from Newcastle Building Society and the chance to earn up to £1,000 cashback.

Barclaycard is now offering a record 27 interest-free months to pay off your debts.

The taxman says three and a half million people are due a refund, but two million will have to fork out for underpaid tax.

Fed up with low savings rates and high borrowing rates? As Dave Fishwick and his Bank of Dave has demonstrated, there are other options out there.

If you want to find a unique property bargain, there is plenty of help available online - you just need to know where to look.



