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    paul(scotchie)
    you mention overpayments.

    at present i am with british gas for both fuel supplies.
    the agreement was that i would get a card for both so that i could pay regularly rather than get massive bills suddenly.

    on the electricity, i got a card, and paid a set amount each month, much more than i used so that in winter i would not suddenly get a nasty bill in.
    my credit reached over a £100 so they sent me a cheque for that amount, a week later a letter came through that i had reneged on my agreement.

    after 3 years with british gas, i have still not received a card, despite over 20 requests.

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