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  • FIRST POST
    • MSE Archna
    • By MSE Archna 9th Dec 08, 3:33 PM
    • 1,874Posts
    • 6,140Thanks
    MSE Archna
    Energy Direct Debits: Get money back & your payments lowered Discussion
    • #1
    • 9th Dec 08, 3:33 PM
    Energy Direct Debits: Get money back & your payments lowered Discussion 9th Dec 08 at 3:33 PM



    This thread is specifically to discuss the content of the

    Energy Direct Debits: Get money back & your payments lowered

    Alternatively go to the report energy overcharging successes thread


    To discuss or ask a question about this article: click reply
    Last edited by MSE Archna; 10-06-2010 at 5:36 PM.
    Report inappropriate posts: forumteam@moneysavingexpert.com




Page 11
  • E.ON Company Representative: Malc
    E.ON Fixed Rate Tariffs
    There are many green energy companies out there proposing Better deals but I'm dubious abou them
    Are these suppliers truly offering fixed rate tariffs?!

    In the past, some have lied about their 'fixed' rates. Take EON for example, they offered the iChooser fixed rate plan and about 7 months into it they changed the direct debit monthly payment by an additional 60, when we contacted them about this they said its due to 'usage' and government terms and conditions. We challenged them about their use of the word 'fixed' as this new increase proved the rate was not fixed at all, and the original contract clearly stated the monthly cost would be fixed at a certain rate.
    It didn't boldly state that the rate would change subject to energy usage! It left us really confused. We also noticed later EON very cleverly stated these tariffs maybe withdrawn at any time without notice! Since then we're conscious of these ambiguous fixed rate tariffs!
    Originally posted by Butterfly21
    Hello Butterfly21 and not a lot I can add to Cardew's excellent advice. Thanks Cardew.

    As Cardew says, it's the unit price per kWh and daily standing charge that are fixed and not the Monthly Direct Debit. With our iChoosr Collectives, we made sure these rates stayed the same until the end date shown in the tariff details confirmation.

    Monthly Direct Debits, though, are based on current prices and past usage. If either changes, a payment review is triggered. The aim is to achieve as close as possible to a zero balance by the annual review. Sounds like your usage went up and this triggered an increase in the monthly payments to stop the account building up too much debt.

    We're conscious that circumstances change and have an online tool to help customers make sure accounts aren't building up too much credit or debit. The 'Direct Debit Manager' lets customers change their payments both up and down should they need to.

    Also agree, although our tariffs can be taken from sale at any time, once signed up to a fixed tariff this will continue right up to the end date unless the customer decides to move to another of our tariffs or changes supplier.

    Hope this explains Butterfly21.

    Malc
    Official Company Representative
    I am an official company representative of E.ON. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"
    • MrMaloney
    • By MrMaloney 24th Jan 17, 6:42 PM
    • 26 Posts
    • 38 Thanks
    MrMaloney
    isupply increased my DD from 43/month to 66 in April 2016. In November 2016 I noticed I was 417 in credit. They have been reluctant to refund to put it mildly, saying they need to get through another quarter of meter readings before they will refund, and well "you may have used a lot over Christmas". Finally today they said they will refund 250, and then review when I get a meter reading on 4 Feb and swap onto a new fixed contract with them. I have oil central heating but do use electric heaters to boost sometimes when I first get in, but don't use that much. I'd guess that 43/month is too high.
    • footyguy
    • By footyguy 24th Jan 17, 6:56 PM
    • 4,136 Posts
    • 1,683 Thanks
    footyguy
    isupply increased my DD from 43/month to 66 in April 2016. In November 2016 I noticed I was 417 in credit. They have been reluctant to refund to put it mildly, saying they need to get through another quarter of meter readings before they will refund, and well "you may have used a lot over Christmas". Finally today they said they will refund 250, and then review when I get a meter reading on 4 Feb and swap onto a new fixed contract with them. I have oil central heating but do use electric heaters to boost sometimes when I first get in, but don't use that much. I'd guess that 43/month is too high.
    Originally posted by MrMaloney
    Thanks for letting us know you are getting somewhere with iSupply
    I can see you were worried having posted here:
    http://forums.moneysavingexpert.com/showthread.php?t=4415853&page=7
    anh here today
    http://forums.moneysavingexpert.com/showthread.php?t=5591478

    As I mentioned in your thread, I never experienced any issues with iSupply using my accrued credit (which was substantially less than yours) to reduce the following year's monthly payments.

    But it would be correct that given your situation, any supplier would want a final reading to complete the previous year's contract before they will agree finally what you are owed
    • dragoncurt
    • By dragoncurt 4th May 17, 7:42 PM
    • 5 Posts
    • 0 Thanks
    dragoncurt
    Big direct debit fee after leaving ?
    Hi, I was with British gas until I see on the energy club a better deal so I am moving over to EDF. So I was paying the direct debit which was 80 for gas nad 30 for electricity a month. The thing is I was all up to date with payments and even had a smart meter so they automatically sent them to BG. The thing is now though is as I am just about to move over to EDF I get a bill of 330 which I knew I was going to pay something but how do I get the bill that high when I was paying monthly DD.

    The other thing to mention is when I got smart meters in around October last year I was supposed to be put on DD variable but someone from BG told me that it did not get changed till last month in which I think why the final bill is that high.

    I am wondering if I can do anything as no way should it be that much I was at 0 when I was leaving and the final bill I got yesterday is 330 I don't see how they should make me pay it when they did not advise me to up my direct debit.

    I could move back to them as the new deal I will be on has no exit fees but I am just wanting people opinions.

    Thanks
    • stella Pierce
    • By stella Pierce 26th Aug 17, 10:46 PM
    • 1 Posts
    • 0 Thanks
    stella Pierce
    Hi It has come to my attention that I have been in credit with my gas and electricity bill since 2014 with spark energy. they owed me over a 1.000 I have been refunded the amount and made a complaint to them saying I have been behind in my Mortgage and you have been holding onto my money for years ..what compensation should I be asking for? they tried to say it ws estimated bills and my fault at first but I have given them reading and I have some come to my house taking reading all the time
    • Hengus
    • By Hengus 27th Aug 17, 10:31 AM
    • 6,548 Posts
    • 4,201 Thanks
    Hengus
    Hello Butterfly21 and not a lot I can add to Cardew's excellent advice. Thanks Cardew.

    As Cardew says, it's the unit price per kWh and daily standing charge that are fixed and not the Monthly Direct Debit. With our iChoosr Collectives, we made sure these rates stayed the same until the end date shown in the tariff details confirmation.

    Monthly Direct Debits, though, are based on current prices and past usage. If either changes, a payment review is triggered. The aim is to achieve as close as possible to a zero balance by the annual review. Sounds like your usage went up and this triggered an increase in the monthly payments to stop the account building up too much debt.

    We're conscious that circumstances change and have an online tool to help customers make sure accounts aren't building up too much credit or debit. The 'Direct Debit Manager' lets customers change their payments both up and down should they need to.

    Also agree, although our tariffs can be taken from sale at any time, once signed up to a fixed tariff this will continue right up to the end date unless the customer decides to move to another of our tariffs or changes supplier.

    Hope this explains Butterfly21.

    Malc
    Originally posted by E.ON Company Representative: Malc
    Can I be a Devil's Advocate. In part, I agree with Butterfly 21. The use of the term fixed in a domestic energy contract can be construed as misleading. The only two things that are actually fixed are the term and unit price. The standing charge on many contracts is not actually fixed. The upper level of the standing charge is fixed but discounts (which can be removed for consumer contract breaches) come out of the daily standard charge. It follows that the standing charge can be varied.

    I also think that there is a bigger issue here than just energy contracts. The term fixed in the context of other consumer activities truly means fixed. I can have unlimited broadband for a fixed price, and an all-you-can-eat phone tariff for a fixed price. It is hardly surprising that when people enter the World of domestic energy that they are confused when fixed doesn't actually mean fixed. Perhaps the brains in E.oN towers could put their minds to the solving this particular confusion.
  • E.ON Company Representative: Malc
    E.ON Monthly Direct Debits
    Can I be a Devil's Advocate. In part, I agree with Butterfly 21. The use of the term fixed in a domestic energy contract can be construed as misleading. The only two things that are actually fixed are the term and unit price. The standing charge on many contracts is not actually fixed. The upper level of the standing charge is fixed but discounts (which can be removed for consumer contract breaches) come out of the daily standard charge. It follows that the standing charge can be varied.

    I also think that there is a bigger issue here than just energy contracts. The term fixed in the context of other consumer activities truly means fixed. I can have unlimited broadband for a fixed price, and an all-you-can-eat phone tariff for a fixed price. It is hardly surprising that when people enter the World of domestic energy that they are confused when fixed doesn't actually mean fixed. Perhaps the brains in E.oN towers could put their minds to the solving this particular confusion.
    Originally posted by Hengus
    Morning Hengus and I agree. Our Monthly Direct Debits can vary as they're based on the unit prices and usage. A change to either can lead to a different monthly amount to help keep arrangements on track for as near as possible to a zero balance by the annual review.

    The terms used is something I've raised before and will mention again as I personally prefer the description of Monthly Direct Debit rather than 'Fixed.' If you look at my posts on these arrangements, Monthly Direct Debit is the term I consistently use. Not saying this is the best term, it's just something I prefer.

    We do explain how we work out the monthly payments and what happens if there are significant changes to usage or if the tariff is switched when Monthly Direct Debits are set up. This includes the impact on standing charges should a Monthly Direct Debit be cancelled. We also let customers know in advance of any changes that need to be made.

    Thanks for your feedback Hengus. I'll use this to give a little more impact to my ongoing discussions here.

    Malc
    Official Company Representative
    I am an official company representative of E.ON. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"
    • jjayp
    • By jjayp 14th Sep 17, 3:39 PM
    • 2 Posts
    • 0 Thanks
    jjayp
    Eon have so far taken over 30 days to refund me
    Well as the heading states its 30 days and they still haven't come good on refunding me the over payments which now total 1458.12p.
    4 different 'advisors' two from the ineffective 'resolution dept' and today I get, if you agree its been resolved we (EON) will credit you with the offer of 42. If you don't accept that its been resolved then we cannot credit you. Basically we need to ensure that our success rate is kept artificially high.
    I pointed out to the 'resolution manager' that how can I accept that it has been resolved when the money still isn't in my bank account, and your 'offer' never said I had to accept it was resolved, in fact your offer said and I quote
    I believe a fair offer is:
    To say sorry for your complaint not being resolved.
    To confirm we are not able to get the refund back to your bank account before the 14/9/17. I am sorry for this, I was informed the payment could not be in the bank prior to this.
    For the service failures and shortfalls, mentioned 42 would be applied as goodwill if you accepted the offer.
    My energy bills are extremely high, around 5k p.a.
    I will obviously be leaving EON and taking my business elsewhere.
    This new 'resolution dept' are hopeless. What is really laughable is that the chap in charge of customer relations Philip Shaw is unreachable, as is Olivier Mourrieras Head of Customer Experience Centre of Competence. The old directorofcustomerservices email isn't valid anymore, at least with that someone actually dealt with the problem.
    So you are pretty stuffed when it comes with trying to get any issues dealt with. Especially if you are unlucky enough to get someone who is only able to read from a script and basically a call centre employee with no real care whether you take your business elsewhere.
    This company is horrible, there is no other word for Eon They have lied repeatedly, and when their faults are shown up to them, they simply say, if you don't like it take it to the ombudsman.
    • phillw
    • By phillw 14th Sep 17, 10:51 PM
    • 1,398 Posts
    • 1,064 Thanks
    phillw
    I pointed out to the 'resolution manager' that how can I accept that it has been resolved when the money still isn't in my bank account,
    Originally posted by jjayp
    I'd say it's resolved when the agree that they owe the money and they are going to pay it.

    If the money then fails to turn up it's a different complaint, with the potential of even more compensation.

    Maybe they are trying to make it look like they are resolving complaints quicker, maybe I'm too mercenary but I'd be willing to let them do that if they pay me.
  • E.ON Company Representative: Malc
    E.ON Complaint
    Well as the heading states its 30 days and they still haven't come good on refunding me the over payments which now total 1458.12p.
    4 different 'advisors' two from the ineffective 'resolution dept' and today I get, if you agree its been resolved we (EON) will credit you with the offer of 42. If you don't accept that its been resolved then we cannot credit you. Basically we need to ensure that our success rate is kept artificially high.
    I pointed out to the 'resolution manager' that how can I accept that it has been resolved when the money still isn't in my bank account, and your 'offer' never said I had to accept it was resolved, in fact your offer said and I quote
    I believe a fair offer is:
    To say sorry for your complaint not being resolved.
    To confirm we are not able to get the refund back to your bank account before the 14/9/17. I am sorry for this, I was informed the payment could not be in the bank prior to this.
    For the service failures and shortfalls, mentioned 42 would be applied as goodwill if you accepted the offer.
    My energy bills are extremely high, around 5k p.a.
    I will obviously be leaving EON and taking my business elsewhere.
    This new 'resolution dept' are hopeless. What is really laughable is that the chap in charge of customer relations Philip Shaw is unreachable, as is Olivier Mourrieras Head of Customer Experience Centre of Competence. The old directorofcustomerservices email isn't valid anymore, at least with that someone actually dealt with the problem.
    So you are pretty stuffed when it comes with trying to get any issues dealt with. Especially if you are unlucky enough to get someone who is only able to read from a script and basically a call centre employee with no real care whether you take your business elsewhere.
    This company is horrible, there is no other word for Eon They have lied repeatedly, and when their faults are shown up to them, they simply say, if you don't like it take it to the ombudsman.
    Originally posted by jjayp
    Hello jjayp and I'm sorry our Resolution Manager was unable to sort your complaint. Have you referred this to our Complaint Reviewers? This is the next step in our complaints process. Our Reviewers will look again at the work done and resolution offered by the Resolution Manager. They'll either uphold the original resolution or offer an alternative.

    Totally understand, you won't consider the complaint resolved until the refund is back in your bank account. Once this has happened and you let us know this has resolved the complaint, the 42 goodwill offered or any alternative offer from the Reviewers will be paid as well.

    Malc
    Official Company Representative
    I am an official company representative of E.ON. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"
    • Tortoise 24
    • By Tortoise 24 27th Feb 18, 2:05 PM
    • 1 Posts
    • 0 Thanks
    Tortoise 24
    My DD has just risen ~30 per month. I get 2% cashback for paying with my Credit card. Does the resultant overpayment (going to be about 200+ pa.) therefore accumulate an equivalent 2% interest, therefore earning more than if it was in my current account, virtually earning nothing.
    • Xs500
    • By Xs500 8th May 18, 9:46 PM
    • 1 Posts
    • 0 Thanks
    Xs500
    OVO Energy
    I understand OVO pay 3% interest on accounts in credit up to 1k.
    Has anyone taken advantage of this by keeping their OVO balance topped up to 1k?
    An alternative to managing DDs to maintain minimal overpay!enter?
    • Hengus
    • By Hengus 8th May 18, 9:55 PM
    • 6,548 Posts
    • 4,201 Thanks
    Hengus
    I understand OVO pay 3% interest on accounts in credit up to 1k.
    Has anyone taken advantage of this by keeping their OVO balance topped up to 1k?
    An alternative to managing DDs to maintain minimal overpay!enter?
    Originally posted by Xs500
    You might wish to read this:


    The maximum credit balance on which you can earn the OVO Interest Reward is stated in our OVO Energy Charges list for all other meters.

    13.6 You must not make payments into your account just to receive the OVO Interest Reward. If we think you're doing this, we'll refund the extra amounts to you and we may withhold payment of the OVO Interest Reward on those amounts.
    • actd
    • By actd 8th May 18, 10:40 PM
    • 19 Posts
    • 12 Thanks
    actd
    My mother has been with OVO for over 3 years (I have been with them for longer) and has a 500 + balance with OVO which has been building up since she joined - she started with them paying the same amount os EDF were charging her (and they were about to increase her payments) and has been paying the same amount ever since, and still managed to build up this credit. Because she has been with them this long, then OVO pay her 5% interest which is far better than she gets in a savings account, and their customer service is excellent. The only "problem" we had with them was that they somehow forgot to bill her for 2 years, and I only realised when I saw how much credit she was building up (about 2500) but all sorted quickly and politely.
    • wavelets
    • By wavelets 9th May 18, 10:33 AM
    • 555 Posts
    • 242 Thanks
    wavelets
    I understand OVO pay 3% interest on accounts in credit up to 1k.
    Has anyone taken advantage of this by keeping their OVO balance topped up to 1k?
    An alternative to managing DDs to maintain minimal overpay!enter?
    Originally posted by Xs500
    Cheapskates!

    Iresa pay 4.5% interest on any credit balance.
    and they probably have cheaper tariffs - unfortunately they are not accepting any new applicants at present

    Similar restrictive terms apply to prevent anyone using their account as a savings account.
    • WSneasel
    • By WSneasel 9th May 18, 10:49 AM
    • 1 Posts
    • 0 Thanks
    WSneasel
    Failure!
    I've just had my first bill after switching from my previous supplier. I'm in the Energy Club (or whatever you call it) and had been getting repeated mails telling me I was over paying by at least 30 per month and needed to switch, despite my contract not having expired. I plugged the '49 days until expiry' date, into my calendar so I could switch as soon as I could no longer be charged an exit fee. Then waited...

    Actually, the exit fee was only 20 so I could have just switched anyway and been, theoretically, better off. Fortunately I didn't though. Now my first bill has come through, I'm paying more than I did before. The switch has cost me money, not saved it. I chose the cheapest option, which was supposed to save me over 350 per year and yet, based upon my first bill (from readings, not estimates) I'll be paying around 30 per year more, not 350 less.

    Not impressed!!! If this site can't be trusted to give me good advice, I may as well go and live under a rock!
    • wavelets
    • By wavelets 9th May 18, 11:00 AM
    • 555 Posts
    • 242 Thanks
    wavelets
    I've just had my first bill after switching from my previous supplier. I'm in the Energy Club (or whatever you call it) and had been getting repeated mails telling me I was over paying by at least 30 per month and needed to switch, despite my contract not having expired. I plugged the '49 days until expiry' date, into my calendar so I could switch as soon as I could no longer be charged an exit fee. Then waited...

    Actually, the exit fee was only 20 so I could have just switched anyway and been, theoretically, better off. Fortunately I didn't though. Now my first bill has come through, I'm paying more than I did before. The switch has cost me money, not saved it. I chose the cheapest option, which was supposed to save me over 350 per year and yet, based upon my first bill (from readings, not estimates) I'll be paying around 30 per year more, not 350 less.

    Not impressed!!! If this site can't be trusted to give me good advice, I may as well go and live under a rock!
    Originally posted by WSneasel
    I wonder how that could possibly occur?

    Perhaps you could give us all the details and someone could take a look.
    e.g. consumption, post code, suppliers & tariffs involved.
    Last edited by wavelets; 09-05-2018 at 11:02 AM.
    • Hengus
    • By Hengus 9th May 18, 11:18 AM
    • 6,548 Posts
    • 4,201 Thanks
    Hengus
    I've just had my first bill after switching from my previous supplier. I'm in the Energy Club (or whatever you call it) and had been getting repeated mails telling me I was over paying by at least 30 per month and needed to switch, despite my contract not having expired. I plugged the '49 days until expiry' date, into my calendar so I could switch as soon as I could no longer be charged an exit fee. Then waited...

    Actually, the exit fee was only 20 so I could have just switched anyway and been, theoretically, better off. Fortunately I didn't though. Now my first bill has come through, I'm paying more than I did before. The switch has cost me money, not saved it. I chose the cheapest option, which was supposed to save me over 350 per year and yet, based upon my first bill (from readings, not estimates) I'll be paying around 30 per year more, not 350 less.

    Not impressed!!! If this site can't be trusted to give me good advice, I may as well go and live under a rock!
    Originally posted by WSneasel
    Hi - welcome to the forum. Which comparison tool did you use? MSE Cheap energy Club offers the Ofgem methodology which is based on costs for the next 12 months AND a more useful 'this is what you pay for a year now' compared to 'this is what you will pay for a year on these tariffs'.

    The Ofgem methodology assumes, for example, that a consumer with say one month to run on a fixed tariff will pay one month at present tariff cost PLUS 11 months on the supplier's standard variable tariff. This leads to an inflated cost. Meanwhile you choose another fixed tariff and you can end up paying more and still show a saving.

    In sum, if you are on a fixed tariff with LESS than 12 months to run then savings should always be ignored.

    Finally, in fairness to Ofgem. some form of mathematical assumption has to be made. The methodology is only flawed for those of us on fixed tariffs with less than 12 months to run.
    • Erica51
    • By Erica51 9th May 18, 4:57 PM
    • 13 Posts
    • 15 Thanks
    Erica51
    Some companies pay interest on credit balances
    OveEnergy pays me 5% interest on my credit balance. I know of nowhere else I could get that so I'm happy to have my account well in credit!
    • alicherry
    • By alicherry 10th May 18, 9:19 AM
    • 7 Posts
    • 1 Thanks
    alicherry
    Been with EDF nearly a year since moving into my first mortgaged home. DD was pretty high as they based usage on the precious occupants; a family with 2 teenage kids. (It's just me and my partner) Since providing regular reads I have had DD reduced twice without asking and found out today they are refunding 204 as we were so much in credit. Happy I didn't have to fight for it. I shall still shop around once our current tariff ends in August
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