cruiser2 wrote:According to my last statement I owed them. I am not going to increase my monthly payments.
Cruiser, that's why I will not use Direct Debit.
After winter and in to spring you can be in debit, but over the summer months you get back in credit, sometimes a LOT of credit, so over the year it mostly evens out. However, and they all do it, they use a temporary debit to justify an increase of your payments.
As for the emails... somewhere near the bottom of them you should find an "unsubscribe" link - use it. You might have to do it a few times as the emails come from different departments, but eventually they will decrease to a trickle. They won't disappear completely but you can control them.