There seem to be some misunderstandings going on here. Ordinary meters measure energy used. They do not care which phase it is used from, or how well balanced the load is. You can use it all on one phase, or equally across three, the energy consumption will be what it is. They cannot charge you for energy you could have used on the other phases had they been loaded to the same current as the highest-loaded phase. The tariff might depend on your maximum demand, and half-hourly metering can report this, so there could be an incentive to manage the load both as far as size and timing of load peaks. That is reasonable and sensible, as spreading peak loads helps manage the energy networks.
Unbalanced loads create neutral current, as do certain harmonics in both single and 3-phase loads. Neutral currents themselves are of minimal importance to the customer, e.g. with a 100A TP+N supply it matters little whether the neutral current is 1A or 100A. There is a modest efficiency advantage for the supplier of the load is balanced due to lower cables losses, and they must manage the total neutral current so that it is not excessive in any distribution cable. But neutral current does not equate to 'energy paid for but unused' or any such thing. It's merely the algebraic difference between the line currents. If loads on different phases differ in power factor (e.g. lighting mainly on one phase, motors on another) then the neutral current calculations must take this into account. The most extreme cases, with phase angle controlled loads, can result in higher neutral current that any line current which can cause overheated neutrals, but this is truly rare and extreme. With the figures in the OP, there is no such hazard as the neutral current is less than the highest line, hence no reason to think something is going to be overloaded.
Low power factor causes higher currents than are truly necessary to deliver the amount of energy purchased. This increases cable and transformer losses, and hence costs the supplier, so there are incentives to keep the p.f. as high as possible. Again, this is a networks efficiency consideration, and while low metered p.f. might be reflected in a less favourable supply tariff, the supplier cannot charge for energy that would have been delivered at the same current had the p.f. been unity.
Going back to the OP, 269kWh per day is an average load of 11kW. I can produce that load by switching on the appliances I can see from where I am sitting, and that doesn't include any cooking equipment. It could result from being wasteful, growing tropical plants, even a miscalibrated meter. But it doesn't sound like anything that would make me fall off a bar stool or an indication there is anything amiss with the supply.