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    • tightasagnats
    • By tightasagnats 7th Oct 17, 8:37 AM
    • 342Posts
    • 96Thanks
    tightasagnats
    Switching when on a prepayment meter?
    • #1
    • 7th Oct 17, 8:37 AM
    Switching when on a prepayment meter? 7th Oct 17 at 8:37 AM
    Hello everyone. I've just moved into a new house (3 weeks) and have prepayment meters for gas and electricity. I was told to wait a couple of weeks to request a switch to credit meters which I did but British Gas turned me down (elec) whereas Scottish power (gas) approved no problems. My credit record was excellent, but have just got a mortgage and BG says this can affect experian record.

    I don't want to wait 60 days to possibly be refused again. Can I switch suppliers on a prepayment meter ? I was thing get them both in Scottish lower standard tariff then switch at some point in future.
Page 1
    • dogshome
    • By dogshome 7th Oct 17, 8:43 AM
    • 2,914 Posts
    • 1,481 Thanks
    dogshome
    • #2
    • 7th Oct 17, 8:43 AM
    • #2
    • 7th Oct 17, 8:43 AM
    Yes you can
    • footyguy
    • By footyguy 7th Oct 17, 12:05 PM
    • 3,690 Posts
    • 1,470 Thanks
    footyguy
    • #3
    • 7th Oct 17, 12:05 PM
    • #3
    • 7th Oct 17, 12:05 PM
    Hello everyone. I've just moved into a new house (3 weeks) and have prepayment meters for gas and electricity. I was told to wait a couple of weeks to request a switch to credit meters which I did but British Gas turned me down (elec) whereas Scottish power (gas) approved no problems. My credit record was excellent, but have just got a mortgage and BG says this can affect experian record.

    I don't want to wait 60 days to possibly be refused again. Can I switch suppliers on a prepayment meter ? I was thing get them both in Scottish lower standard tariff then switch at some point in future.
    Originally posted by tightasagnats
    Oh yes!

    http://www.moneysavingexpert.com/utilities/switch-prepaid-gas-electricity

    I don't think you having a mortgage will alone be the reason you have been denied credit by BG (unless you are/were in arrears). I suggest most homeowners who are supplied by BG will have a mortgage, and they are not all on PPMs.

    I know in the past, we successfully requested a BG PPM be replaced by a credit meter and had a morthahe. But that was for gas (shouldn't affect matters) and we were previously a BG credit meter customer without payment issues (which is a factor BG consider).

    I suggest you get consult the 3 credit reference agencies to get a look at your own files to see if there is anything amiss.
    Remember, you could could be assessed as a 'bad credit risk' not because you have any previous bad credit history, but because you have a general lack of credit history at all.
    • trickytree1963
    • By trickytree1963 7th Oct 17, 4:04 PM
    • 146 Posts
    • 80 Thanks
    trickytree1963
    • #4
    • 7th Oct 17, 4:04 PM
    • #4
    • 7th Oct 17, 4:04 PM
    The main reason why BG rejected you will be if you haven't had a credit/billing energy account previously rather than your current financial status.

    Try EDF , see if they will switch you from PAYG to billing after switching the PAYG over.
    • tightasagnats
    • By tightasagnats 8th Oct 17, 6:36 PM
    • 342 Posts
    • 96 Thanks
    tightasagnats
    • #5
    • 8th Oct 17, 6:36 PM
    • #5
    • 8th Oct 17, 6:36 PM
    Thanks all, what was bizarre was that I had preciously been a BG customer on DD and have plenty of credit history. No missed payments, no bad debts, etc.
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