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    • defaulted debts vanish from your file regardless to payment on the registered defaulted dates 6th birthday   NON defaulted debts will sit on your file for 6yrs yrs from last payment - i e the debt becomes statute barred,-  but that does not automatically guarantee they will be removed.
    • Yes if defaulted but my non defaulted ones sit there
    • but thats how long it will show from settlement payment on your file if you make one or  if you leave as is..same result but far cheaper....   dx  
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kerzappy

Help!!! NPower given me massive bill

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Hi,

I'm really worried and don't know what to do!!!!

I have been with Npower for about a year now on Sign Online 16 for gas and electricity, paying £24 (in total for both) by direct debit.

 

I am a student living in a 1 bed flat so thought this was about the right price...Apparently not!!!!

I received a bill the other day saying that I am £589 in debit, and they need to increase my D/D to £218 a month (which I assume takes into account the £589 owed).

I do query this amount owed, as I don't believe it possible one person could use £805 (which includes £216 already paid from beginning of the year)!!!

 

I phoned NPower straight away and said there is no way I can pay £218 a month, They asked various questions regarding help with the payment i.e any benefits?, children under 16?, etc. Of which I can't claim for any as I am a student and don't have any children, not aged over 60, etc, etc. NPower then proceeded to tell me that they can reduce the monthly amount down to £122 a month or I can get a prepayment meter installed.

I haven't agreed to anything as yet as I know I can't even pay £122 a month and query how they can drop a payment amount by £96 in 5 mins of talking.

 

Also, I received a 'For information only' bill back in February, which when looking at it showed I was in debit by £56.56 for electricity and £228.06 for gas, which I assumed was what was left owing on the balance for the rest of the year as I didn't receive any letter saying they needed to adjust my D/D amount.

 

I'm so confused and don't know what to do. There's no way I can pay back this amount (if it is legally owed) within 10months (as I am in rented accomodation and my tenancy runs out end of July).

 

Does anyone have any advice?Please!!!

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First of all..............

 

Are their bills based on accurate or estimated readings - should be shown on your bills as E or A (or occasionally CR - customer reading - meaning you supplied them with the reading).

 

If their bills are based on estimated readings you should check how close the readings are to your actual meter readings. If there is a big difference then I would contact them with accurate readings as these might reduce the amount owed and might make repayments more acceptable. One of the tricks by energy companies is to under estimate your usage so they can offer low DD rates and then suddenly bill you up to accurate meter readings and increase your DD to massive amounts.

 

For information, I live alone in a one bed flat and pay £25/month for my electricity and after 9 months with my current supplier I am about £50 in credit using accurate readings. For my gas (only for water heater and central heating) I am paying £60/month and after the same 9 month period I am over £250 in credit, again using accurate readings. I am hoping they review and reduce the gas DD slightly but not by so much that I am left owing them money at any time.

 

I think you are paying too little for both gas and electric and, after looking into the meter readings they have calculated this bill on, you might understand this. If this is the case I would try and negotiate a more affordable monthly payment that will take into account accurate usage as well as catching up on the previous underpayment.

 

Feebee_71

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Thanks for the advice Feebee_71.

 

All the meter readings are done by myself, apart from the last one on the 20th August (which states 'actual' reading, so I presume someone came and read the meter).

I phoned CAB for advice and they told me to ask the question to NPower as to why I didn't get a change of D/D back in February if I was in debit then?, and to write a letter asking for no action to be taken on my account for next 28 days.

 

I phoned NPower and asked the above question, they replied 'We didn't have sufficient data to provide an accurate account as to whether to change the D/D.' They then proceeded to ask if I was ok with the payment plan of £122, as well as offering another option of paying back £98 over a 2-year period (which equates to nearly £2400!!!!), or a social tariff where if I pay £74 for 6 months then 1st Option (a company afiliated with NPower, I presume) provides a small contribution to pay off the debt after this period. Either way, no statement of how long these periods of repayment are have actually been given (apart from the 2-year option).

 

I haven't agreed to anything at the moment and asked them to hold any actions on my account for the next 28 days (I also wrote and asked for this to occur, of which I have received a letter back stating it is so).

 

If I had received information saying D/D payments would be approx. £85 a month from the very beginning I would never have taken it on.

 

Is this a misconduct of information?

 

Do I owe them this bill if it is?

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if this is the case, why not ask for pre-payment meters to be fitted, this way you wont be disconnected and you will be paying off a small amount each week - month.

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