Check a billDirect Debit Increase Complaint Template
Use this when the monthly payment has jumped and the supplier has not clearly explained the forecast, credit, debt recovery, buffer or review period.
Use together
Use this template when
Your supplier has increased your monthly payment and you want the calculation explained before you accept it. Keep the request narrow: forecast, balance, credit/debt, buffer and review period.
Copy and adapt this direct debit complaint
Account number: [account number]
I am writing about the proposed direct debit increase from £[old amount] to £[new amount].
Please provide a written breakdown showing:
1. the annual usage forecast used;
2. my current account balance and whether it is credit or debt;
3. any debt recovery amount included;
4. any buffer you are holding and why;
5. the number of months used to smooth the balance;
6. the next review date.
Based on my latest bills and readings, the proposed amount appears too high. Please review the payment and confirm whether a lower amount of £[your suggested amount] would keep the account on track.
If you refuse to reduce it, please explain the calculation in enough detail for me to check it.
Attach this evidence
Latest bill PDF
Shows the current charges and balance.
Latest meter reading
Prevents the supplier relying only on stale estimates.
Account balance screenshot
Shows credit or debt before the increase.
Your calculator result
Shows the amount you believe is fair and why.
Frequently asked questions
Should I mention the price cap?
Only if the supplier’s forecast depends on current rates. Remember the price cap is not a cap on your total bill.
Can I ask for a refund and direct debit reduction together?
Yes, but separate the two requests clearly: refund of excess credit and review of future monthly payments.
What if the supplier ignores the request?
Keep the message and response dates. If the complaint remains unresolved, use the supplier complaint and Ombudsman route.
Official sources used for this page
BillDecoded translates official process and billing information into practical checks. It is not affiliated with the Ombudsman, Ofgem, Citizens Advice, Which? or any supplier.