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    I suppose like everybody else I hated things when a 3 month bill for gas/electricity/phone etc came through the letterbox. Nowadays we have a choice - I don't like direct debits or standing orders, but love the card system where you can load money on in advance of the bill. Due to a hatred of debt I pay a lot more during the summer months so I don't get a shock with the Winter charges.

    A couple of days ago my Council tax bill came through listing the monthly instalments and all the easy ways to pay. Logged on to DDC to pay the first 3 months, typed in my name then up comes my full address, telephone number, council tax reference - impressive I thought until I tried to pay. My first instalment is not due until the 5th April so as I don't technically owe them anything they rejected my intended payment.

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