[maviczap]

I was just saying that was my method of saving for Christmas, and although my money's profitting the bank I use, it's not profitting a utility companies profit who overcharge their customers and probably have millions of £s in overpayments in lots of accounts like yours Bib.

If you choose to overpay, and get it repaid that's fine. I was just giving my method, which avoids having someone walk away with your Christmas club money.