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All of the things you may do when you cannot pay your energy bill


third Dec 2023

In the present financial climate many individuals can’t pay their energy bill and lots of of us are falling behind with payments.

Payment Plans and Supplier Support

First of all, when you fund yourself in this case, one of the best thing to do is to get in contact along with your supplier: regulator Ofgem makes sure your supplier helps you: most commonly with a reasonable payment plan. Also it’s good to know that under recent pandemic regulations, your supply is not going to be cut off when you fall behind in your payments.

As well as a payment plan review, chances are you’ll in certain circumstances have the opportunity to rearrange reduced payments or a payment holiday.

If you prepay your energy bills, similarly your supplier can assist, including £5 of emergency credit on each your gas and electricity meter, accessible by entering the cardboard or clicking a button when the choice pops up – this may have to be repaid once you top up.

Friendly credit also means you won’t be cut off in case your credit runs out on evenings, weekends and bank holidays when the shops are closed.

If you may’t afford to maintain the meter topped up, chances are you’ll be eligible for extra support credit (or extra support credit): again, contact your supplier. This might also apply to the vulnerable: pensioners, disabled customers or those with a long-term medical condition.

Ofgem has introduced protective measures to make sure customers have access to debate this type of help with their supplier, on a case by case basis.

If you outright can’t pay your energy bill, chances are you’ll even be eligible for hardship funds, depending in your circumstances and skill to pay. Again, get in contact along with your supplier to start the method.


Charitable Trusts

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There are also many charitable trusts and funds offering schemes and grants to assist along with your energy costs, faulty or old boilers, or to assist make your property more energy-efficient.

A superb start line is the British Gas Energy Trust as they’ll help support not only their very own customers, but those with any supplier.

There’s also more specific customer help from: EDF Energy Customer Support Fund / E.on Energy Fund / E.on Next Energy Fund / Ovo Energy FundOcto Assist Fund / Scottish Power Hardship Fund.You might have to get help applying to those schemes as they could be fairly complicated procedures. Most require you to have spoken to a debt advisor and worked out your income and expenditure intimately, able to present your case. You can get help from some charities to do that.

Government Support

Some good recent news is that households in England, Wales and Scotland can claim Government support this yr, including an automaticdiscount in your bills.

If you’re in council tax bands A to D, there may be a council tax rebate coming into place soon, and likewise help being put in place for many who don’t qualify for this.

If you’ve got a normal credit meter, the Warm Home Discount is a £140 rebate applied to your electricity bill between October and March. If your energy supplier is a part of the scheme, you’ll br notified of how this will likely be applied to you.

Another technique to save on bills is to pay by monthly direct debit, which earns interest on overpayments for the supplier, and warranted them you’re a daily payer: it could also prevent as much as £90 a month.

Finally, it’s price noting that doing things like leaving electrical products on standby, or the heating on all day, actually drives your bills up, so go searching you home and see where you may cut costs by switching things off and thoroughly regulating your output.

What Jasmine Says

MoneyMagpie’s Jasmine Birtles says, “If you may’t pay your energy bill firstly don’t feel alone – you might be one in all many within the country who’re really struggling to pay. Secondly get in contact along with your energy provider immediately. They all have sections of the business which are there to assist individuals who can’t pay their bills for one reason or one other. It’s possible that they are going to have the opportunity to scale back your bill or spread it over an extended time period to enable you to pay. Also they could put you on a meter so that you just only pay as you utilize the energy. This can assist you to with budgeting although the downside is that it tends to be dearer than being on a contract.

“Also there are some energy-related advantages that chances are you’ll be entitled to. Use the advantages calculator at Entitledto or Turn2Us to see if there’s anything you possibly can apply for and likewise speak to your local Council to see in the event that they have any hardship grants that might assist you to recover from this particular financial pressure.”

MoneyMagpie also take a have a look at all the opposite things chances are you’ll be eligable for financial help with here.

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