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Paying off Npower debt


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I've had to move back in with parents because of rising debts and unpaid bills. I currently owe Npower £1000 and was going to be disconnected, so I left my rented house and moved. I am still unable to pay this off in full, as they want me to do, I've told them I have moved and give them final readings. I can only afford £10 a month at the minute, but they won't accept this and want at least £100 or they will take me to court. They don't have my new address. Where do I stand with them? They can no longer disconnect me and they don't know where I live. I'm offering to pay something, which is all I can afford for now.

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I am replying because your question has been on here for a couple of hours - so you want something to start the ball rolling. Let me say from the poutset that I am not an expert. From what I know if they do take you to court, they will probably win on the basis that £10 per month is not reasonable. I dont know what your salary is , but the offer has to be reasonable in comparison to your salary and outgoings. Having said all that £10 permonth may be reaonable when you list all your monthly commitments. You will have to sit down and work it all out. Starty off with your net salary on one side of the page. On the other side put down what you HAVE to pay out. Dont make things up, they will check and then you are in schtuk. So list you HP payment for a car or whatever, also credit card payments and so on. I dont think you are allowed to list anything for socialising but you are allowed to list payments to parents for your keep and contributions to the bills etc. Then work out what is left. From that you have to deduct travel expenses and food whilst at work. See what is left and then make a final offer- a reasonable one, from what is left - to Npower. As long as you evidence you outgoings I cant see that they can argue. Hope this helps. You want to avopid court as this will push up your debt due to legal fees etc.

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