The shocking barrier to getting the best energy deal

Around 5.9 million people in the UK are on a pre-payment energy meter, which means they need to top up in advance before they are allowed to access gas or electricity. It's one of the most expensive ways to pay for your gas or electricity, but ironically it is usually the way that utility companies will supply some of the people struggling most with costs.

Meanwhile, millions more are forced to pay for their energy through monthly bills, because their energy company has refused to set up a direct debit agreement.

For both groups of people, their credit record is getting in the way of the best deals.