This is exactly what has happened to me, I had a debit of £55 so I paid £65 to avoid anymore debt. My plan was renewed and they put the DD up to £123 a month. That went out, looked at my account this morning and it’s £85 in credit! I’m using around £65 a month, and all it said was I could change my direct debit to £118, so just the £5. It’s absolutely ridiculous. Also this time last year I lived in a 4 bedroom house and was paying £99 a month, I’ve moved to a small 2 bed bungalow and I’m paying even more!