I helped someone who had a debt with npower of almost £500.00. They moved home and the place they moved to was supplied by npower. They changed their supplier and got a payment plan set up for £5.00 per month. We contacted npower in writing (insist all contact is made it writing) and set out intentions on making payment and provided an income and expenditure. They had no option but to agree to this low amount. It is possible. CHARIS GRANTS is a good one to try it you are still on supply and have large debts that you can't afford but whats the matter with prepay meters? Prepay have a bad reputation however this is unfair. Check the tariffs you may pay more on a credit meter. I know 2 suppliers where you do. Although tehre is commonly a standing charge. This can owrk in your favor in winter but against you in summer. Ask for the social tariff.

A landlord cannot force you to pay by prepay or bill. It is down to the tenant. Landlord permission is always beneficial. Companies do charge for meter exchanges in some situations

I contacted Welcome Finance in July 2011 to see if I had a claim aginst them. They told me I did yet had to send in proof that I had changed address. I did this. Then they said it had been received but the address not ammeded, can I resend it? NO! If you can't do your job properly then that tough. Ammend the address simple. after weeks of speaking to them and Welcomes Complaints team who told me I did not have a claim with them but with the broker I got an applicaiotn form. A team manager called .... and his member of staff called ..... and .....s Operations Manager, assured me that I did have a claim with them. After sending in the forms to them they now say I don't have a claim with them cause I had to get the FOS invovled with matters when I had the HP with them FOS were involved because I wrote to them as it said in the contract and told them I wanted to return the car to them (50% though the contract so I was able to with no penalties.) 6 months it took them to collect the car and they wanted me to pay for these 6 monthly installments to which they were told no FOS told them to collect it and they did Car's brakes were jammed by this time due to it not moving but this was tough and their fault. So now I am left furious for all the messing around they have caused me and expense in calls that I am no further forward. MOST CERTAINLY NOT "WELCOME FINANCE" BUT "UNwelcome FINANCE".