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My account says you owe me
The accounts show surpluses as a minus figure so, for example, a credit of £50 is shown as -£50.
We credit your account with the surplus. If you pay by Direct Debit, we’ll adjust your payments to get the credit back to you. If you pay by Standing Order, bank transfer, by debit or credit card over the phone or you pay via your MyGolding account then you can adjust your payments yourself to get your credit back.