charmaine1984,
The 39p charge will be your standing charge. A few charged every day whether or not you use energy or not. 39p seems pretty high for a standing charge and so I'd make sure you get this looked into.
That charge is adding £142.35 on to your bills every year.
In terms of different types of product i.e. fixed, online etc...., these are not always available to customers with a prepayment meter and so don't worry about these for the time being.
A prepayment meter was originally designed to help low income customers budget more efficiently.
They act as a "pay as you go" mobile phone in that you pay for exactly what you use and require a top-up when the credit runs out.
Due to the maintenance costs incurred by the supplier on these meters, they carry higher than standard costs. This is due to the energy supplier having to manually update the meter if/when they change their prices. This means sending an agent round to your house to change the unit costs programmed in.
If they don't do this, the customer will continue to be charged the older rates and can therefore over or under pay for their energy.
Undoubtedly, these meter types are not the best and do limit your options as a consumer. My advice, to those who can, would be to move to a standard "credit meter". Here you can manage your account online and select energy tariff from a greater range of products that offer much more competitive prices.
In relation to the debt, if BG say there isn't any debt on the account, then the meter should be deducting the same amount. To quickly clarify, energy debt will have been a result of the meter not being updated with new prices as explained above. This will have meant prices increased but the meter wasn't updated quick enough.
Eitherway, where this debt arises for other suppliers, British Gas are one of 3 suppliers who do not "back charge" i.e. they do not punish the customer if they, as a supplier, are unable to update the meter when prices change. Therefore, there can be no debt.
I hope you're following so far!? ;o)
Ultimately, my advice would be:
Change meter if possible and ask to be put on a standard "credit meter". If this is possible, apply for an "online" account and pay by monthly direct debit = cheapest prices and easy management online.
If not, stay on the prepayment meter but consider looking at a company called "EBICo". They are very competitive for prepayment tariffs.
Sorry if i've gone on one a bit. I tend to go off on a tangent sometimes but try and keep it simple and to the point...with a bit of background to help along the way. ;o)
Any questions let me know.
Regards,
Scott Byrom
Utilities Manager
moneysupermarket.com