Hi Lucy, Npower gas prepayment tariff does have a standing charge on it which is 40p (due 2am each day) regardless if gas is used, if your in credit it will just come off your credit balance but if you don't have any money on the meter it will build up on the owed screen (further info below how to find out how much is owed). Also your gas unit rate is set to the same low rate throughout the year if compared to npower's standard gas tariff not much diffrent just charged dif (higher & lower unit rate on standard). Is your statement based on estimated reads by anychance? as if your not topping up regular, npower wont be getting fir

Because of your income, if you apply for a redetermination a judge should reduce your payments significantly, it could only be £1 per month. I assume it's the waterboard that you have to pay? If so contact them explaining your situation & tell them you have applied for a redetermination. Bailiffs won't turn up at your door, they would need to apply to a court for an enforcement order first & even then if you don't let them in they can do nothing anyway. There are charitable trusts which help people with their utility debts in situations like this, see; http://www.consumeractiongroup.co.uk/forum/showthread.php?100405-****Util

What is your dispute with T-Mobile about or is that you could not afford to pay the bill they sent you ? If you think you have valid reasons to enter into a dispute with T-Mobile, make a complaint using their official process. complaints process link here If you can't afford to pay the bill, then come to arrangement to pay monthly at an amount you can afford. Or if you are not bothered about default on credit record, just ignore them and hope that they don't take this to court. Chances are that there are so many debts out there, that if you don't keep kicking up a fuss, the debt will continued to be chased with letters/phone calls,

RESULT!! Waiting beside the letterbox now.... Dear Ms **** First of all we would like to sincerely apologise for the inconvenience caused which resulted in your card being changed twice for your parking session in the London Paddington Station Car Park. Secondly, we would like to offer our sincere apologies for the delay in getting your refund for £10.00 actioned. We can confirm that your refund request, along with sufficient proof and postal address, was received on 4th November 2010 and forwarded to the refunds department for the Network Rail contract, based in Manchester, on the same day. We have explained the circumstances to

No, if it hadn't been registered in a timely fashion then they can't register it now