If you pay for your energy bill by direct debit and you have paid the recommended amount throughout the summer, the chances are you will be sitting on a decent amount of credit in your energy account by now.
While it may be tempting to get some of it back, struggling families have been warned to think twice about following advice on social media which could plunge them into a winter of misery. Many households have been lulled into a false sense of security as the mild October has meant that many have been able to keep the heating switched off, adding to the credits sitting on their accounts.
However, it is entirely normal to have a large credit on your account at this time of the year - built up during the warmer, summer months to pay for the colder, winter months, and Money Saving Expert Martin Lewis recommends that you should keep some credit in your account at this time of the year.
