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If you've only just paid off your debts, it may be best to stay on the pre-payment for a while. Quarterly billing makes it easy to rack up a large bill and have no idea about it for 3 months. This is quite risky if you have only just managed to pay off the debt.

However, you do pay more for gas and electric through a pre-payment meter. Cheapest tariffs are always offered to direct debit customers - but this may be difficult to switch too because your credit score may be damaged from the debt?

I'd recommend sticking to pre-payment for a few months before changing to another billing method. Do a comparison via uSwitch or a similar website to check you're on the lowest PP tariff to keep your bills down.