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flag Energy firms hold £3 billion in customer credits; experts advise requesting refunds if on monthly direct debit.

flag Financial expert Martin Lewis advises checking energy accounts for excess credit, as energy firms are holding an estimated £3 billion. flag Customers on monthly direct debit should request refunds for substantial credit, as it's their right under the Gas and Electricity Licensing Act. flag If refused, they can complain to the energy ombudsman for compensation. flag However, those on DWP benefits or means-tested pensions should consider their financial situation before requesting a refund.

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