Bulb and struggling to pay increased payments

BedrockFred

I don't think your being unreasonable at all, maybe my comments seemed a bit harsh 
I will say for you at least your not turning a blind eye to your debt and want to sort out things, try speaking to CAB see what they say but don't let Bulb fit a pre payment meter they are costly 
Don't mean to upset you. Right now with your payment holiday and energy bills you are building up more debt  

[Deleted User]

BedrockFred said:

.....  but don't let Bulb fit a pre payment meter they are costly 
Don't mean to upset you. Right now with your payment holiday and energy bills you are building up more debt  

When a supplier’s attempts to agree a debt repayment scheme have failed, they have two options neither of which requires the customer’s approval . They can apply to a Court to allow them to disconnect a customer (rarely done these days) or they can fit a prepayment meter (the numbers are sadly increasing year on year according to Ofgem stats).

3littlegems

BedrockFred said:

I don't think your being unreasonable at all, maybe my comments seemed a bit harsh 
I will say for you at least your not turning a blind eye to your debt and want to sort out things, try speaking to CAB see what they say but don't let Bulb fit a pre payment meter they are costly 
Don't mean to upset you. Right now with your payment holiday and energy bills you are building up more debt  

No not turning a blind eye. Payment holiday for loan and car arent the problem nor is the credit card. I just dont understand why Bulb are being so difficult, i loathe them and if they werent the cheapest id switch

welshmoneylover

Offer to have a prepayment meter in or just use less energy to bring down your costs.
Bulb have offered you a reasonable solution so I would go along with their advice and agree to the new payment plan.
are you both working? You maybe entitled to the warm home discount if Bulb offer it

3littlegems

[Deleted User] said:

BedrockFred said:

.....  but don't let Bulb fit a pre payment meter they are costly 
Don't mean to upset you. Right now with your payment holiday and energy bills you are building up more debt  

When a supplier’s attempts to agree a debt repayment scheme have failed, they have two options neither of which requires the customer’s approval . They can apply to a Court to allow them to disconnect a customer (rarely done these days) or they can fit a prepayment meter (the numbers are sadly increasing year on year according to Ofgem stats).

They have offered a third party having access to my bank accounts and thats it. They want a third party verification to say what i can and cannot afford. I have offered them a small monthly increase with a view to paying off the debt in small chunks when i can afford it. Not at any point have i refused to pay. 

BedrockFred

3littlegems said:

BedrockFred said:

I don't think your being unreasonable at all, maybe my comments seemed a bit harsh 
I will say for you at least your not turning a blind eye to your debt and want to sort out things, try speaking to CAB see what they say but don't let Bulb fit a pre payment meter they are costly 
Don't mean to upset you. Right now with your payment holiday and energy bills you are building up more debt  

No not turning a blind eye. Payment holiday for loan and car arent the problem nor is the credit card. I just dont understand why Bulb are being so difficult, i loathe them and if they werent the cheapest id switch

Are you sure Bulb are the cheapest have you tried CA comparison or Which
Bulb will not allow you to switch with the amount of debt you have with them
What about switching your credit card for a 0% card some are as long as 28 months 
Again speak to CAB 

3littlegems

welshmoneylover said:

Offer to have a prepayment meter in or just use less energy to bring down your costs.
Bulb have offered you a reasonable solution so I would go along with their advice and agree to the new payment plan.
are you both working? You maybe entitled to the warm home discount if Bulb offer it

What reasonable solution was that then? Pay 195 or allow a third party access to your bank accounts? Pre payment meter would cost us more money. My husband works and im a stay at home mum. Not entitled to anything

[Deleted User]

If a supplier has followed the correct procedures and deemed an amount owed as a debt, then they will stop a customer on credit meters from switching suppliers. If a switch is permitted, then the supplier will expect the debt to be paid off in full. Prepayment customers may be able to switch with a debt.

niktheguru

Bulb are definitely no longer the cheapest but probably a better company than some of the smaller ones to be in debit with.
It Would definitely be work speaking to CAB regarding your finances. 

More on Tully and bulb is here https://help.bulb.co.uk/hc/en-us/articles/360041950432-How-Bulb-works-with-Tully- it doesn’t seem like that bad an idea. It is just assessing whether you can afford the payments or not.
if you don’t feel comfortable with that you can alternatively take out a loan or try a 0% interest credit card, pay what you owe. (Check to make sure you actually owe that amount) and then switch,

obviously you should be aiming to reduce your usage too. Might be difficult with 8 people in the house!

3littlegems

niktheguru said:

Bulb are definitely no longer the cheapest but probably a better company than some of the smaller ones to be in debit with.
It Would definitely be work speaking to CAB regarding your finances. 

More on Tully and bulb is here https://help.bulb.co.uk/hc/en-us/articles/360041950432-How-Bulb-works-with-Tully- it doesn’t seem like that bad an idea. It is just assessing whether you can afford the payments or not.
if you don’t feel comfortable with that you can alternatively take out a loan or try a 0% interest credit card, pay what you owe. (Check to make sure you actually owe that amount) and then switch,

obviously you should be aiming to reduce your usage too. Might be difficult with 8 people in the house!

I dont agree with having to give digital access to my bank accounts for 90 days and them determining what i can an cannot afford and then giving me 10 days notice of a change of payment. I dont see where i can cut usage. Credit card is an option but hubby wasnt keen, however Bulb have got under my skin and i would be inclined to take the hit on the credit card and then poke two fingers to them and switch.