Hi, I've got my electric account with NPower and was in £800 arrears. Due to illness I was in a total mess and was thinking they would cut off any day; however, after speaking to their accounts team they set up an affordable arrangement plan to repay the debt over time and repay also what I was using to date. So far not bigging them up but consider NPower are one of the better electrical suppliers out there.

Thanks for the advice. I should have a couple in my voicemail inbox so will do that shortly. After falling into debt due to redundancy and illness this is a new thing for me. Thanks for your help.

Hi, I'm glad I'm not the only one with issues from these people. I've had an arrangement with these people for the last four months now and to say the least MMF have been rather painful. I received an email from MMF in Oct 2012 regarding my WDA payday loan which had been sold to them. Initially I was paying WDA £50 per month; however, they sold the debt to MMF and increased the overall sum by £350.00 due to "supposidly" fee's and overheads incurred. Initially they were good and wanted to continue the arrangment at £50 per month on a S/O. The guy at the time said they preferred S/O as they then had reassurance for the payment plan. In December 2012 I received a text message from a "Mike" and an email saying I had broken the arrangment and he would be visiting my house this weekend. I phoned them and was reassured by the representitive that my payments had been on time and there had been a computer error. Anyway I woke up today at 6am to find 10 text from MMF and 5 voicemails to say I had broken the agreement and immediate payment is required. I spoke to someone today, who seemed like he couldn't care less, saying I hadn't paid January's payment and they wanted me to clear the full balance now. I informed him of the date payment, the S/O references etc etc... then he tried to convince me I had no S/O ever with them. WHAT THE ???? After a load of bulltalk from him he asked me to set up a new S/O and he would look into where my payments had gone to and call me back. Towards the end he then starting moaning at why I didn't pay the amount by Debit Card and that S/O weren't good and incurred additional charges to the account. Anyway I called them back and spoke to someone who understood what she was talking about and now payments are up to date and all is moving forward again. Word of warning to anyone have all your paperwork to hand and ask who you have been talking to at the end of each call.

Hi, I did the same thing and cancealled my debit card. Prior to that I emailed there accounts department explaining the reason why I took out the loan and defaulting. I offered to repay the debt at £50 per month. I heard nothing from them after a week so sent them a letter and another email to confirm the accepted my offer. Since then I have been getting rather abusive voicemails from Swift Sterling. I had to go into hospital at one stage due to my illness and my other half heard some of their messages. Some from a bloke saying ''It's no good to hid behind your phone and we reject your emails and letters. Talk to us now or else we will get the court involved" then went onto say "we want full payment and don't do installments". This rather abusive bloke last voicemail ended with a range of swear words and have not heard from them since last week. In the end they can't get blood out of a stone.