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  • FIRST POST
    • sazzlejazzle
    • By sazzlejazzle 1st Dec 17, 6:32 AM
    • 7Posts
    • 2Thanks
    sazzlejazzle
    Energy Transfer with outstanding debt?
    • #1
    • 1st Dec 17, 6:32 AM
    Energy Transfer with outstanding debt? 1st Dec 17 at 6:32 AM
    Ive transfered to Bulb recently and have just had my EDF final bill of £2850. I was aware it wss high as I have always struggled to pay my energy bills. At one point they were higher than my mortgage for several years. I never changed suppliers because of my debt. But, maybe stupidly, ive just gone and done it online and changed to Bulb who are LOADS cheaper for me. I am going to make the dreaded phone call today to try and plead my case to have an affordable arrangement to pay this huge debt back but what are my rights? Do I have to pay it all at once or do they have to give me time to pay? I hate talking on the phone and get extreme anxiety over it so hopefully if I know what I can expect it will help. TIA
Page 1
    • molerat
    • By molerat 1st Dec 17, 8:03 AM
    • 17,473 Posts
    • 11,700 Thanks
    molerat
    • #2
    • 1st Dec 17, 8:03 AM
    • #2
    • 1st Dec 17, 8:03 AM
    The debt is immediately due now you have switched but they will most likely offer a payment plan.

    Have you actually switched or is this just a routine bill as with that level of debt they could block a switch ?
    www.helpforheroes.org.uk/donations.html
    • sazzlejazzle
    • By sazzlejazzle 1st Dec 17, 8:46 AM
    • 7 Posts
    • 2 Thanks
    sazzlejazzle
    • #3
    • 1st Dec 17, 8:46 AM
    • #3
    • 1st Dec 17, 8:46 AM
    Thanks for the reply. I don't think it has transferred yet but im not sure. Bulb are meant to be supplying me from 10th December and my first payment to them is going out on 10th. I think I will try and find an email address for EDf and contact them to see.
    • nic_c
    • By nic_c 1st Dec 17, 8:48 AM
    • 1,123 Posts
    • 640 Thanks
    nic_c
    • #4
    • 1st Dec 17, 8:48 AM
    • #4
    • 1st Dec 17, 8:48 AM
    As said, it's immediately payable and your old supplier could block the switch. They may agree to a plan, but if you've always struggled would you be able to manage to repay. What you think you can afford to repay it at and what the energy company is willing to do may be wildly different. It could also be marked as defaulted and sold on in future.
    • Hengus
    • By Hengus 1st Dec 17, 8:51 AM
    • 4,642 Posts
    • 2,813 Thanks
    Hengus
    • #5
    • 1st Dec 17, 8:51 AM
    • #5
    • 1st Dec 17, 8:51 AM
    Thanks for the reply. I don't think it has transferred yet but im not sure. Bulb are meant to be supplying me from 10th December and my first payment to them is going out on 10th. I think I will try and find an email address for EDf and contact them to see.
    Originally posted by sazzlejazzle
    I would be extremely surprised if EDF hasn't taken action to block the transfer given the amount of debt. You will not get a Final Bill until after the actual transfer and not before the transfer meter readings have been validated by an industry third-party. This can take up to 6 weeks from the date of the actual transfer of supply. Switching energy suppliers is not like taking out a new credit card and transferring the balance. If EDF has allowed the transfer to proceed, then the full amount is immediately payable on demand.

    Sorry - my post crossed with the above but the message is the same.
    • sazzlejazzle
    • By sazzlejazzle 1st Dec 17, 8:53 AM
    • 7 Posts
    • 2 Thanks
    sazzlejazzle
    • #6
    • 1st Dec 17, 8:53 AM
    • #6
    • 1st Dec 17, 8:53 AM
    Is it too late for me to cancel the transfer from the Bulb end?
    • molerat
    • By molerat 1st Dec 17, 8:56 AM
    • 17,473 Posts
    • 11,700 Thanks
    molerat
    • #7
    • 1st Dec 17, 8:56 AM
    • #7
    • 1st Dec 17, 8:56 AM
    When did you apply, you have a 14 day cooling off period to cancel.
    www.helpforheroes.org.uk/donations.html
    • macman
    • By macman 1st Dec 17, 9:31 AM
    • 41,422 Posts
    • 17,042 Thanks
    macman
    • #8
    • 1st Dec 17, 9:31 AM
    • #8
    • 1st Dec 17, 9:31 AM
    Whatever you have received from EDF, it is not a final bill, as you are still on supply with them until 10/12. Hengus is correct: I cannot believe that they will allow you to switch with that huge amount of debt.
    No free lunch, and no free laptop
    • sazzlejazzle
    • By sazzlejazzle 1st Dec 17, 1:57 PM
    • 7 Posts
    • 2 Thanks
    sazzlejazzle
    • #9
    • 1st Dec 17, 1:57 PM
    • #9
    • 1st Dec 17, 1:57 PM
    It was 19th November
    • footyguy
    • By footyguy 1st Dec 17, 1:59 PM
    • 3,868 Posts
    • 1,534 Thanks
    footyguy
    Ive transfered to Bulb recently and have just had my EDF final bill of £2850. ...
    Originally posted by sazzlejazzle
    ... I don't think it has transferred yet but im not sure. ....
    Originally posted by sazzlejazzle
    Well you've confused me. And you sounded so sure in your OP

    When you've worked out what you've done, and have sorted out your debts, consult a comparison site to find the best deal for you.
    In fact, even if you have to remain with EDF whilst you pay off your debt, it's still worth checking a comparison site to find the best EDF deal for you ... then contacting EDF and requesting that tariff

    The Debt Free Wannabe board can help you in how to pay off your debts.

    Good luck!
    Last edited by footyguy; 01-12-2017 at 2:03 PM.
    • sazzlejazzle
    • By sazzlejazzle 1st Dec 17, 2:01 PM
    • 7 Posts
    • 2 Thanks
    sazzlejazzle
    Just cancelled it! Thanks for your help!
    • molerat
    • By molerat 1st Dec 17, 2:58 PM
    • 17,473 Posts
    • 11,700 Thanks
    molerat
    You now need to find out what is the cheapest EDF tariff for you and sort out a payment plan.
    www.helpforheroes.org.uk/donations.html
    • NineDeuce
    • By NineDeuce 1st Dec 17, 3:01 PM
    • 526 Posts
    • 468 Thanks
    NineDeuce
    There isnt any way round this. You cant transfer the debt and you just have to pay before changing.

    How did you manage to make it more expensive than your mortgage?
    • House Martin
    • By House Martin 1st Dec 17, 3:15 PM
    • 723 Posts
    • 621 Thanks
    House Martin
    With a gi normous debt like that I suspect EDF will not only block it but arrange to fit a prepayment meter and collect it back weekly at the maximum amount of £16 a week if you cannot make considerable inroads into the debit.. Its far too high. Prepay rates are now a bit lower than standard variable.Molerats advice is better though if you can afford a bigger repay plan. Get onto their best fixed one year deal at least it will be better than prepay tates
    Unbelievable that EDF have allowed this debit to accumulate to this level. £800 is the level the suppliers will tolerate before threatening prepayment meters.
    Yet another example where smart meters would have avoided this situation to develop.
    I work for EDF reading meters , they are a very lax supplier and allow the "must inspects " of meters to gather readings to go on for years and years. They will not implement OFGEMS rules to attempt to get a physical reading once a year. They can go a decade without accessing meters.
    OP , EDF are at fault for allowing this to happen. Did you put regular readings in every 3 months or rely on the estimates ?
    Last edited by House Martin; 01-12-2017 at 3:25 PM.
    • spiro
    • By spiro 2nd Dec 17, 7:59 AM
    • 5,861 Posts
    • 2,818 Thanks
    spiro
    There isnt any way round this. You cant transfer the debt and you just have to pay before changing.
    Originally posted by NineDeuce
    That statement is not entirely correct. If you are repaying a debt via a PPM and the current value is £500 or less you can transfer (Debt Assignment Protocol).
    IT Consultant in the utilities industry specialising in the retail electricity market.

    4 Credit Card and 1 Loan PPI claims settled for £26k, 1 rejected (Opus).
    • Robin9
    • By Robin9 2nd Dec 17, 8:13 AM
    • 1,946 Posts
    • 1,260 Thanks
    Robin9
    sazzlejazzle - which EDF tariff are you on and what is your actual annual consumption in kWh
    Never pay on an estimated bill
    • sazzlejazzle
    • By sazzlejazzle 2nd Dec 17, 8:40 AM
    • 7 Posts
    • 2 Thanks
    sazzlejazzle
    The debt was run up since 2010, when I went through a very bad divorce (resulting in an injunction against my ex husband). I won't go into details, but we both left the marriage with thousands of pounds of debt. I have addressed all of my debts, apart from this one, which has compounded when I have struggled to make ends meet each month (I’m self employed and have 3 kids and until 2014 no other financial support). The energy direct debit, which was set around £350 a month (including my debt repayment) got cancelled, the debt kept adding up and adding up. There would have been several estimated bills thrown in too. After what I had gone through in my personal life and the issues I was still dealing with, my energy debt was the least of my worries. Now I am on an even keel, and trying to complete clearing all of my debts, I am addressing this.
    If I didn't make it clear in my original post, I thought the transfer was complete, I was incorrect. I didn't realise I had 14 days cooling off before they actioned it (although not strictly true because they have already moved my gas. Naively, I thought they would allow me time to clear the EDF debt, with the extra money I was saving with Bulb.
    I have had pre payment meters for my gas, which I cleared and overpaid for 12 months before I realised. I cannot have a prepayment electric meter fitted because the meter box is on the ceiling.
    Sorry for the long post but I now feel I have to justify the debt and my original confusion. It perhaps still doesn’t make sense?!
    I have cancelled the transfer and been in touch with EDF but I can’t reinstate my DD’s until my gas is reconnected?!
    Thanks everyone for your help.
    • macman
    • By macman 3rd Dec 17, 1:56 PM
    • 41,422 Posts
    • 17,042 Thanks
    macman
    There is no physical disconnection of the supply of either gas or electricity during a supplier switch. Your gas cannot have switched if you are still in the cooling off period. If it has switched, you will need to apply to switch back again, and go through another cooling off period. And, if you have switched to a tariff with exit fees, then these will be billed to you.
    Finally, you should not have cancelled the DD until you received the final bill.
    No free lunch, and no free laptop
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