NPower doubling our bill

JennyCourage

Woah there! Kim Yeovil. You have just lost your 2 Gold Stars & tainted your good name & reputation. Is this an aberration? Not like your usual informative & helpful tone. May I have the pleasure of telling you, you are wrong? £800 which is the debt, not £250 X 12 (£3000) divided by 12 mths is £66. , divided by 24mths is £33.

Glad you have so much money to pay off a large debt in 1/2 months. Not like you to hurl personal insults. Perhaps calm down and have a think about what you've said.

Kind regards

mrjibbles

Blimey, i can feel the heat from here lol

Appreciate everyones feedback, as my Scottish girlfriend says.. what a numpty

Kim, definatly a good point that paying off the debt as quick as possible is the best way even if just to get the weight off the shoulders. Its suprising how it does change you, last night when i got in i saw with my eyes closed on the sofa. then dawned on me, i had the tv on mute and two kitchen lights on lol ... turned them all off

Cheers Jenny for the support, made me chuckle but in no way is that meant as a disrespect to kim. What Kim has said i appreciate is true, i didnt realise my post would cause such a stir

Friday everyone... weekend is almost here. Smile everyone. I still am, until i cry looking at the bill lol..joke. Thankyou again, it has taught me alot and learnt from you all.

Rob

JennyCourage

Cardew

Oh dear! More bitterness, vitriol & resentment. The OP admitted his naivety & simply asked for help. I thought, this was the purpose of the chat forum? May I suggest, not 'incorrect' DD's but overinflated estimates (in general)? not based on accurate past usage or reasonable estimated future uses? However, We are not a judge & jury, nor here to sit in judgement. Nor to be cruel, but helpful. The OP appears to be genuine, honest & very pleasant. The 'interest free' is a Red herring, is it not?

KimYeovil

JennyCourage wrote: »

Woah there! Kim Yeovil. You have just lost your 2 Gold Stars & tainted your good name & reputation. Is this an aberration? Not like your usual informative & helpful tone.

??? Are you confusing me with a different Kim Yeovil?

JennyCourage wrote: »

May I have the pleasure of telling you, you are wrong? £800 divided by 12 mths is £66. , divided by 24mths is £33.

Eh? And? Same calculation as me. As I said, my fuel has doubled in price over the last three years. So 2 * 90 + 66 = 246. 2 * 90 + 33 = 213. So that's £250 over twelve months or more than £200 over twenty-four months.

JennyCourage wrote: »

Glad you have so much money to pay off a large debt in 1/2 months.

It is precisely because I have so little money that I would much prefer to pay things off in a lump sum rather than extend the agony. I'd rather live on a tenner for a month or two than spend a year or two with a significantly lowered income.

JennyCourage wrote: »

Not like you to hurl personal insults.

Confusing me with someone else? But I would not say the 'insults' were personal, anyway (and hardly insults). Shrug. The original post was incredible. The replies were askew and mostly did not address the pertinent issues.

Frosty regards.

KimYeovil

JennyCourage wrote: »

Cardew

Oh dear! More bitterness, vitriol & resentment. The OP admitted his naivety & simply asked for help. I thought, this was the purpose of the chat forum? May I suggest, not 'incorrect' DD's but overinflated estimates (in general)? not based on accurate past usage or reasonable estimated future uses? However, We are not a judge & jury, nor here to sit in judgement. Nor to be cruel, but helpful. The OP appears to be genuine, honest & very pleasant. The 'interest free' is a Red herring, is it not?

Please re-read Mr Jibbles' very first post. What has this to do with inflated estimates? Nothing. In this case, the interest free repayment period is certainly not a red herring. It is you who has to calm down and think about what you are about to write.

JennyCourage

Kim Yeovil
I will answer your 4 points:

a) No, I am not confusing you with anyone else.

b) Not the same calculation as you. You are wrong. I repeat, the debt is £800 which = £66pm for 1 yr., and £33 for 2yrs. (and £22pm over past 3 yrs).

Your mistake was to include wrongly estimated future gas, as yet unused. You should work for the Utilities!) (You wrongly estimated an increase of £90, when in fact, based on 3 yrs. usage, the true figure is £22!)

Let me share the delight of your calculations being wrong. You have doubled op's usage, (in money) instead of the price of gas. Put simply:

Usage p.mth. .............over 3 yrs .........................= £90 pmth
overused/underpaid £800 " " " divided by 36mths ......= £22 pmth
Therefore DD should have been ............................= £112 pmth

Todays usage/cost ............................................= £112 p.mth
Plus £800 arrears div.12mths ................................= £ 66 p.mth
.......................................................................= £178 p.mth
A far cry from your £250 p.mth!

Checkmate

Admit you are wrong!!

c) With precisely 'so little money' you would not be able to pay off a 'large lump sum'. It is a contradiction in terms.

d) No, I am not confusing you with someone else.

Perhaps your anger/frustration is misplaced? I intend to report you for spoiling the Forum. No more communication plse.

KimYeovil

JennyCourage wrote: »

b) Not the same calculation as you. You are wrong. I repeat, the debt is £800 which = £66pm for 1 yr., and £33 for 2yrs. Your mistake was to include future gas, as yet unused. Checkmate.

So nonsensical and bizarre I am a little non-plussed as to how to reply. Can anyone else enlighten me as to what on Earth she is havering on about?

JennyCourage wrote: »

c) With precisely 'so little money' you would not be able to pay off a 'large lump sum'. It is a contradiction in terms.

No it is not. I repeat. Living on nothing for a month or two is preferable to living with a substantially lowered income for a year or two. If you do not understand what I mean by this, congratulations - you have never experienced being poor.

JennyCourage wrote: »

I intend to report you for spoiling the Forum.

And the grounds are? You are the only one abusing posters (your attack against Cardew) and you are the one making several posts discussing factors that have nothing to do with the original topic of this thread. That's a bigger no-no than the friendly joshing in any of my posts.

Rikki

I'm so glad I pay quarterly bills and take regular meter readings. None of these problems for me.

You should provide regular readings whether you pay by direct debit or not and then you wouldn't get into arrears and have huge direct debit increases. You have to pay for what you use and can't moan about it when the bill comes in..

Cardew

JennyCourage wrote: »

Cardew

Oh dear! More bitterness, vitriol & resentment. The OP admitted his naivety & simply asked for help. I thought, this was the purpose of the chat forum? May I suggest, not 'incorrect' DD's but overinflated estimates (in general)? not based on accurate past usage or reasonable estimated future uses? However, We are not a judge & jury, nor here to sit in judgement. Nor to be cruel, but helpful. The OP appears to be genuine, honest & very pleasant. The 'interest free' is a Red herring, is it not?

I am at a loss to understand this post and your attitude.

I certainly have not criticised the OP - so perhaps you could explain the "bitterness, vitriol & resentment".

JennyCourage

Hi Rob & Lorna,

Glad to see you are taking control. There are many ways to help solve your problem. This is one of many. Do check it out with someone else, as it is only a guide. Would you be kind enough to come back to me in 1 month, regarding the reductions in usage, as it may help others? The point is to apply the concept. It's Fun:j

Sample No. 1

Gas paid p.m last 3 yrs............................................£90
Gas underpaid p.m. " " £800 div.36mth.....................= £22
Current d.d. p.m. for gas........................................................ = £112?

Arrears p.m. £800 div.12mths................................................... = £ 66
Current d.d. for gas & arrears................................................... = £178?

Cut down gas usage by £1 per day.......... = £30 p.m.
Cut down elec.usage by 34p per day........ = £10 p.m.
..........................................................= £40 p.m.

£40p.m. X 6mths .....................£240 off your arrears
Plus £66 X 6mths......................£396 off your arrears
Making a total of......................£636 off your arrears! (in 6 mths)

Leaving a balance of just £164 to be paid in the remaining 6 mths. Remove the remaining £66p.m from your payments, as the £30 p.m. gas credit (£30 X 6 = £180) is more than enough to cover the balance of £164, and you will be £66 X 6 = £396 better off! (or pay in full in 8 mths)


Either way, it gets better, because you will be £66 + £40 better off per month after, making a total of savings = £1272 per annum, give or take a few price rises.

Sample No. 2

Should you decide to reduce your usuage, and stick with it, and I have every faith in you; simply, read meter everyday (same time) for 1 mth. keep accurate records. Submit readings to NPower. Show evidence of £30. credit 2/3 mths. and convince NPower to lower your d.d. by £30 p.mth. ( + use £10 elec. credit to reduce arrears). Also, you should have between 25% and 50% reduction of usage in Spring & Summer, building up further credit, and, if you change to dual fuel with NPower & pay both by d.d. you will qualify for £100 rebate. Good Luck

Kind regards