We offer customers a range of direct debit payment dates - depending on when you make your payment, your account will sometimes show in arrears and sometimes show in credit.  

If you choose to make your monthly payment on the 1st of each month your account will always show as in credit as you will be making your monthly payment right at the start of the month.  If however you make your monthly payment in the middle of the month then your account will be in arrears for the first half of the month and in credit for the second half.  

If you choose to make your monthly payment at the end of each month it is quite likely that your account will show in arrears for most of the month until your payment is received.

For more information on how we calculate your direct debit amount please click here