Npower changing account is it rocket science?

akosa

Hi Can anyone help.
I set up dual fuel with Npower and pay by quater direct debit which is in my name. My husband and I did a review of the bills and he has agreed to take over the paying of the dual fuel elec and gas bill. I want to know is better to close the account fully and they get my husband to set in up in his name so everything is fresh and new in his name or should I rely on npower to set this up and change things over. If they do will it truly be in his name or will he be just added to it with the main link linked to me?

As I pay the mortgage and other bills I do not want to have my credit score affected by my husband who can be a bit forget full to credit his account to allow the DD's to be taken:mad:. So I am anxious that the account is a fresh new one in his name. I still use my maiden name so do not have my husbands name and generally we keep our finances seperate pooling bills into 1 central current account for bill payments.

Am I being too complicated here?

I just don't want to have my credit score affected when my mortgage comes up for review as the mortgage is in my name so I usually arrage the re-mortage.

Advice appreciated:A

jd87

So your npower bill doesn't come out of your shared bills account? It currently comes out of yours but you want it to come out of his instead?

The easiest thing would be just the change the direct debit details (to come from his account instead of yours) and leave the npower account actually in your name. However it will be your credit score that will be affected if the direct debits go unpaid.

That is assuming that npower report debts to credit reporting agencies, not all utilities do.

If you want to get the account transfered into his name then this will require npower to close your account and open a new one for him. This means if you currently have a credit or debit balance then this will have to be settled. Opening and closing meter readings will be needed and if he has a bad credit score they might not even agree to him taking on a credit meter. He will essentially be a brand new customer to them.

All a lot of hassle just because you don't trust your OH!

chanz4

Npower aint on on my credit report, I also doubt they will change it over as you have not moved out.

Wywth

akosa wrote: »

Hi Can anyone help.
I set up dual fuel with Npower and pay by quater direct debit which is in my name. My husband and I did a review of the bills and he has agreed to take over the paying of the dual fuel elec and gas bill. I want to know is better to close the account fully and they get my husband to set in up in his name so everything is fresh and new in his name or should I rely on npower to set this up and change things over. If they do will it truly be in his name or will he be just added to it with the main link linked to me?

As I pay the mortgage and other bills I do not want to have my credit score affected by my husband who can be a bit forget full to credit his account to allow the DD's to be taken:mad:. So I am anxious that the account is a fresh new one in his name. I still use my maiden name so do not have my husbands name and generally we keep our finances seperate pooling bills into 1 central current account for bill payments.

Am I being too complicated here?

I just don't want to have my credit score affected when my mortgage comes up for review as the mortgage is in my name so I usually arrage the re-mortage.

Advice appreciated:A

Just get your husband to give you the money as it becomes due.

He pays the cost but you are assured the energy supplier is paid.

Simples :cool:

undaunted

I'm not sure that Npower use a credit eference agency (they didn't used to) but if they did there would quite possibly be a (financial) association (with your husband) noted on your file anyway.

Additionally as husband & wife and both consuming the energy if he doesn't pay they may still try & pursue you for the money even if his name alone were to be on the account. On this occasion I'd agree with wywth above

Bradfield

I am an NPower customer. I was told verbally by NPower customer services that if the account holder changes (as in these circumstances) then both the current account holder and the new account holder have to write to NPower (presumably just one letter signed by both parties) requesting for the change to take place. I got the impression that the service would continue uninterrupted and just the name of the account holder would change.

cing0

Whenever 'change' and 'energy supplier' are put together, a balls up occurs.
Simplest solution is to us a switching website and change supplier, putting your preferred details in the name field of the form and wait 40 days.
In my experience, the only energy companies that show up on a credit search are E.on & British gas.

akosa

Hi All or anyone, I know this post has been a while ago but I am in a fuming right pickle.

I left the Npower in my name on my account and continued asking my husband to credit my account in advance so the DD would pay the Npower bill. I am in the pre-stages of applying for a re-mortgage in my name (as my husband is not financially associated with me - don't ask long story!) Well my husband said he had credited my account and I did not check for a few days on the day the bill was due I checked my account and found that he had not credited my bank account and the bill was due, I hit the wall! he had credited the wrong bank account. On checking my BANK account the money had been taken by npower and appeared to go through but that put me over my authorised overdraft limit. I immediately transferred the money he had put into the wrong account back into my BANK account and believed everything was ok. However , today I received a delayed letter from the BANK a week later informing me that they had reversed the payment which was displayed as gone through on the account and charged me £5 for the privilege. which means all the while the bill had been unpaid and I have now had to pay it using my Debit card. On checking their site I see that they are now passing on late payment information to credit reference agencies so I am concerned if this will affect my mortgage as I have only just started the process with the mortgage broker. This is the 2nd time a late payment has gone through on my account due to my husband mixing up payments to account. I am so worried if this will affect my credit and applying for a re-mortgage and that we will not be able to get a remortgage. I am so fed up as I usually apply for the mortgages as my credit record is unblemished. Does anyone know are Npower submitting such information to credit references agencies immediately?

I want to close the account completely and ask my husband to set up a new account elsewhere and take responsibility for paying the bill on time since he can't do through me or correctly.

Could anyone advise should I close the account in my name and ask my husband to set up an account with a new provider or do I go though it using the switching facility, only I was thinking that if I switch it would still be registered as me as the bill payer, with the new provider which I don't want.

Any positive advice please no antagonising comments please.

Nada666

I don't understand. If you can't afford to pay a fuel bill how do you hope to save or pay for a mortgage?

Why on earth are you allowing your husband to do anything with bank accounts associated with you? Take over your bills, pay your bills yourself, make sure your account is funded yourself from your own income and then just get money from him whenever you can. Get him to pay his share to you but do not involve him with the bills or bank accounts.

Why do you want to deregister your name? Even if you change supplier what would be the point?