effectively you're arguing for a pre-pay, or pay as you use. As said maybe a long way in the future, but I have to ask if you were in debit in the cold period would you be arguing that PP should take a higher payment. It's currently evened out somewhat by the 40/60 split, I personally think that's a good compromise, but some others would rather have a fixed payment all year, and very few (like you) effectively want it to be like the pre-pay (which in my opinion is the worst of all options, I think it would lead to complete chaos)
There is a however a solution for you which would involve a little intervention on your part and which would bring it nearer to what you want; you could reduce your DD slightly in April and increase it slightly in October.
Not ideal but if you're building up too much credit in the warmer months it would help.
Don't forget though your credit includes the DD payment which is paid in advance so that might make it look higher than it really is.
Originally Posted by Des martin