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That's interesting barry1010. Came to my attention very recently I don't think my supplier even gives a discount for paying by dd, I thought that was standard. As happy as I've been with them, may have to look at switching sometime not soon, when (!!) things get back to some sort of normality. Meantime, I did pay the debit balance before the next dd was paid so £0 balance, hoping it would drop the fixed rate. I'm back down from my cloud now *sigh*