Direct Debit on Eon is more expensive??

Codswallop

OK, so I'd like to save a little money and pre-empt the oncoming increase in electricity prices. We're with E-on and not paying by D.debit.

The energy helpline site informs me that I would save £96 on the Extra Saver8 plan per year. It looks good with a 12% saving, not as good as NPower at 28% but I'm wary of changing suppliers and it's service ratings are only a 3 out of 5.

My question is why is the direct debit agreement showing at £37 more than my current annual bill divided by 12 months? Am I missing something? It is a monthly direct debit isn't it? I know that they might say that they're taking winter/summer variations into consideration but there's no incentive there for me to switch and it seems odd.

And yes, my bills are very expensive for a one bedroom flat and I don't know why. The immersion is switched on for 10mins a day maximum. It's just something I've accepted now.

Any help would be very much appreciated.