With the cost of living still squeezing families across the UK, many people don’t realise they might be sitting on £100s of unused credit in their energy accounts. And the best part?
It takes less than 30 seconds to check.
If you pay monthly for gas or electricity — whether by direct debit or through a smart meter — your supplier might be holding onto money that actually belongs to you. This blog explains why it happens, how to check for credit, and how to request a refund safely.
Why So Many Families Are in Energy Credit Right Now
Most suppliers set your monthly payment high enough to “smooth out” usage throughout the year — meaning you overpay in summer and use the credit in winter.
But this year:
- Prices have dropped from their peak.
- Many households reduced energy use because bills were too high.
- A mild start to the winter means heating hasn’t been used as much.
- Smart meters provide more accurate readings than ever before.
All of this means millions of families are now overpaid on their gas/electric, sometimes by £50, £150, or even £300+.
That credit sits in your energy account unless you ask for it back.
The 30-Second Check
Here’s the quick check you should do today:
- Log in to your online energy account (or app).
- Look for your balance — it will show either in credit or in debt.
- If it shows credit, that’s your money.
If your credit is more than one month’s worth of energy usage, you can usually request a refund immediately.
Are You Guaranteed a Refund?
In most cases, yes.
Energy companies must refund your credit unless they have a reasonable cause not to.
They may delay or refuse repayment if:
- You haven’t submitted a meter reading in a long time.
- Your usage pattern suggests you’ll use the credit soon.
- Your direct debit is already set too low or too high.
If they refuse without explanation, you can challenge it — suppliers must justify their decision.
How to Request a Refund
Most suppliers allow you to do this in-app or through your account.
If not, you can use this message:
“Hello, I’ve checked my account and I am in credit. Please can you arrange a refund of the excess balance? My meter readings are up to date. Thank you.”
You’ll normally receive the refund to your bank account within 3–10 working days.
Why This Matters for SEND and Low-Income Families
Many families we support are dealing with:
- Universal Credit fluctuations
- High fuel costs for travelling to appointments
- Specialist equipment needing electricity
- Extra laundry and heating for sensory or medical needs
- Reduced income due to caring responsibilities
A £100–£300 refund can make a real difference.
This is one of the fastest and easiest ways to get money back into your household budget.
Final Tip: Do This Every Season
Energy usage changes throughout the year.
You should check your account:
- Going into winter
- Halfway through winter
- At the start of spring
It prevents you from overpaying and ensures you’re not leaving money sitting with your supplier.
Conclusion
It takes just 30 seconds to check your energy balance — and it could put £100s straight back into your pocket.
With bills rising and family budgets under pressure, every small win helps.
If you want help asking your supplier for a refund or want me to check how much credit is reasonable, send your details and I’ll walk you through it.
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