Debt amount should be adjusted?

matelodave

That's obviously your problem - if you can't properly describe the situation so that people can fully understand it then you aren't going to get very far, because we can't see that you've got a case.

To most of us it looks like you owe money because you failed to keep an eye on your bank account and so didn't really notice that they weren't taking the money.
You didn't save that money either so when the bill came you couldn't pay it.
You didn't check your meters so you didn't know how much you were using and so ended up with a debt because you hadn't paid enough. You then agreed to pay this back over a period of time.
On top of that you've still got to pay for the energy you are using so where is the problem?
If you pay off your arrears then you can change supplier and start from scratch and keep better control.


The list of stuff that you are going to request from nPower should be info that you already have. As you are now aware NPower aren't exactly brilliant in the record keeping and billing department so unless you've got real evidence of actual meter readings and payments you will find it very difficult to dig the bones out of it all.

System

TickersPlaysPop wrote: »

The prediction today for my usage for the coming year is

4760 elec
14100 gas

This is estimated to be £1500 or £1400 depending on tariff I choose. So maybe they have included the debt when setting the current DD amount? Well ..... i don't think so because at the end of the year i will be negative by around 350 quid based on the £85/mth. The remaining £345 debt is being dealt with separately by the £33.50/mth.

So.... i don't think the NPower calculator is correct or fair.... But i have no way of being 100% sure because in the first 8 mths i was on the standard tariff and they did not send me a letter when they changed the cost per unit of energy.

My current mthly DD excluding the 'debt' payment plan is £85 based on mthly customer readings (previously set at £160 on Apr 2013 based on 8mths data because I moved in Sep2012)

My remaining 'debt' balance is £435 (£607 was original sum)

My 'debt' payment plan is £33.50 mth

My account balance is currently £155 in credit (this excludes the remaing 'debt' balance)
.

I said that I wouldn't post again but people who respond are trying to help. I have taken a couple of your quotes and the figures do not stack up as you have described the situation.

The £607 - debt as you call it - were underpayments on your account. Normally, the utility company would just ask for this to be paid. In your case, they have admitted that some of the fault sits with them and together you have agreed a repayment plan.

Where I have a problem is with your calculation based on future usage. As you say, this equates to an annual figure of £1400 to £1500 per annum. If you are only paying £85 per month, then you are going to owe NPower money at the next annual review.

You go on to say that your account is in credit to the tune of £155. Our put another way, you owe NPower £435 - 155 or £280. If you just drawn a line under this and pay it against an accurate meter reading then you could switch. I have run your figures through an energy comparison site and if you were living in the Midlands you could save nearly £200 pa by switching - but your total monthly payments would be between £100 and £110 per month which is not too different from what what you appear to be paying at the moment.

This really is my last post. Best of luck whatever you decide to do.