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  • FIRST POST
    • LincsGuy1978
    • By LincsGuy1978 15th Nov 17, 8:38 PM
    • 1Posts
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    LincsGuy1978
    Iresa Energy - Can I reduce direct debit/cancel it?
    • #1
    • 15th Nov 17, 8:38 PM
    Iresa Energy - Can I reduce direct debit/cancel it? 15th Nov 17 at 8:38 PM
    I have recently made an error of judgement and switched my energy to Iresa. I have only just found the awful reviews. It seems they are commonly over charging the monthly payment that customers make and many are having an issue when their contract ends in getting a refund.
    The customer service is terrible and they don't respond to support tickets. Ideally I'd like to reduce my monthly payment to make sure I am underpaying so that I owe them a small amount of money at the end of the contract. I appears impossible to get a refund from them so this way I can make the final payment and leave in 12 months time. Am I able to just contact my bank and ask the bank to reduce the monthly payment or does it have to be agreed with Iresa?
    Secondly on month 11 of my contract can I just cancel my direct debit to make sure I have under paid or is that a breach of contract? Then I can just make the final payment and I won't have to have a battle with them trying to get a refund.

    Any advice much appreciated!
Page 1
    • Norman Castle
    • By Norman Castle 16th Nov 17, 8:32 AM
    • 7,083 Posts
    • 5,847 Thanks
    Norman Castle
    • #2
    • 16th Nov 17, 8:32 AM
    • #2
    • 16th Nov 17, 8:32 AM
    If you gave accurate figures when joining your monthly dd should cover your cost and no more. Wait and see if you are being charged more than needed.
    Don't harass a hippie. You'll get bad karma.

    Never trust a newbie with a rtb tale.
    • Hengus
    • By Hengus 16th Nov 17, 8:36 AM
    • 5,909 Posts
    • 3,643 Thanks
    Hengus
    • #3
    • 16th Nov 17, 8:36 AM
    • #3
    • 16th Nov 17, 8:36 AM
    This is what you signed up to:

    4.6 You agree to pay us by Direct Debit in an agreed fixed amount in advance each month, calculated to cover your supply over the year and to keep your account in credit at all times.

    4.7 We will inform you in your contract letter of the fixed amount of your monthly Direct Debit at the start of your contract and we may review and amend this amount at any time (for example if you go into debit) and notify you of any changes in writing. We will not alter the amount of your Direct Debit when you make any extra payments. Any review of your Direct Debit will be based on your past energy use, current prices, and any debit or credit on your account.

    4.8 We will collect the Direct Debit payment in the agreed amount for each month of supply on the 20th day of the preceding month (or the following working day where the 20th is a non working day), except for in relation to the first month of supply (or part month) in which case we will collect the Direct Debit payment in the agreed amount 3 working days after the end of your cooling off period.
    • footyguy
    • By footyguy 16th Nov 17, 8:41 AM
    • 4,136 Posts
    • 1,671 Thanks
    footyguy
    • #4
    • 16th Nov 17, 8:41 AM
    • #4
    • 16th Nov 17, 8:41 AM
    I have recently made an error of judgement and switched my energy to Iresa. I have only just found the awful reviews. It seems they are commonly over charging the monthly payment that customers make and many are having an issue when their contract ends in getting a refund.
    The customer service is terrible and they don't respond to support tickets. Ideally I'd like to reduce my monthly payment to make sure I am underpaying so that I owe them a small amount of money at the end of the contract. I appears impossible to get a refund from them so this way I can make the final payment and leave in 12 months time. Am I able to just contact my bank and ask the bank to reduce the monthly payment or does it have to be agreed with Iresa?
    Secondly on month 11 of my contract can I just cancel my direct debit to make sure I have under paid or is that a breach of contract? Then I can just make the final payment and I won't have to have a battle with them trying to get a refund.

    Any advice much appreciated!
    Originally posted by LincsGuy1978
    If you don't know what your monthly DD has been set at, then you would still be within the 14 day cooling off period.
    If you really think you have "made an error of judgement", why not take advantage of it?
    There are plenty of other suppliers to choose from ... although you'll end up paying more for them.

    Even if you are outside the cooling off period, with no early exit fees to woory about, you are free to switch at any time, if you really do think now that you have "made an error of judgement"

    Did you read the terms and conditions you said you had agreed to? If not, better late than never.

    If, as you say, you read the reviews, then presumably you have also read this post by me on the Iresa feedback thread?
    http://forums.moneysavingexpert.com/showpost.php?p=73350426&postcount=1324

    Good luck!
    Last edited by footyguy; 16-11-2017 at 9:01 AM.
    • Robin9
    • By Robin9 16th Nov 17, 8:42 AM
    • 2,634 Posts
    • 1,710 Thanks
    Robin9
    • #5
    • 16th Nov 17, 8:42 AM
    • #5
    • 16th Nov 17, 8:42 AM
    Keep on providing your readings at least monthly and examine and understand your bills.
    Never pay on an estimated bill
    • Raxiel
    • By Raxiel 16th Nov 17, 11:06 AM
    • 686 Posts
    • 378 Thanks
    Raxiel
    • #6
    • 16th Nov 17, 11:06 AM
    • #6
    • 16th Nov 17, 11:06 AM
    I've left Iresa, and am still waiting for them to refund my winter credit balance. It's been a month since the new supplier sent the flows, so I'm not in complaint territory yet.

    To be fair to Iresa, their billing did seem to have improved by the time I left, and they do pay a generous interest rate on any balance you have with them. Their CS is worth every penny you don't pay by being with one of the cheapest on the market, so not great, but it has improved (a low bar, but still).

    Given the grief I've had already with my new (big 6) supplier, if I could go back 2 months I wouldn't have bothered leaving.

    If you're really concerned, the best time to leave would be in the spring, once your winter balance has been cleared.
    • Sja
    • By Sja 28th Nov 17, 8:46 PM
    • 7 Posts
    • 2 Thanks
    Sja
    • #7
    • 28th Nov 17, 8:46 PM
    • #7
    • 28th Nov 17, 8:46 PM
    I feel your pain. I also signed up to Iresa about eighteen months ago. What a mistake. Time and time again they proved themselves incapable of getting anything right.

    I cancelled my direct debit a couple of months before the end of my 12-month contract, to ensure that my account wasn't left in credit. Having dealt with them for a year I knew it would be next to impossible to get any outstanding balance refunded. I would strongly urge you to do the same.

    My lack of faith in Iresa has been vindicated. I've spent the last six months chasing them for a final bill so that I can settle up. By my calculations I owe them about £70. I have now given up. In the unlikely event that I do ever receive a final bill, I will ignore it. I estimate that the chances of them getting their act sufficiently together to take me to court are effectively nil. In any event I expect them to go out of business sooner rather than later.

    To those who say I have breached the T&Cs by cancelling my direct debit, I would simply say that Iresa were not providing the service I was paying for, i.e. supplying my energy and administering my account (correctly logging meter readings, providing correct bills etc.)
    • Farway
    • By Farway 29th Nov 17, 4:31 PM
    • 6,223 Posts
    • 9,922 Thanks
    Farway
    • #8
    • 29th Nov 17, 4:31 PM
    • #8
    • 29th Nov 17, 4:31 PM
    I feel your pain. I also signed up to Iresa about eighteen months ago. What a mistake. Time and time again they proved themselves incapable of getting anything right.

    I cancelled my direct debit a couple of months before the end of my 12-month contract, to ensure that my account wasn't left in credit. Having dealt with them for a year I knew it would be next to impossible to get any outstanding balance refunded. I would strongly urge you to do the same.

    My lack of faith in Iresa has been vindicated. I've spent the last six months chasing them for a final bill so that I can settle up. By my calculations I owe them about £70. I have now given up. In the unlikely event that I do ever receive a final bill, I will ignore it. I estimate that the chances of them getting their act sufficiently together to take me to court are effectively nil. In any event I expect them to go out of business sooner rather than later.

    To those who say I have breached the T&Cs by cancelling my direct debit, I would simply say that Iresa were not providing the service I was paying for, i.e. supplying my energy and administering my account (correctly logging meter readings, providing correct bills etc.)
    Originally posted by Sja
    Wishing you the best of luck with your ruined credit reports for the next 6 years.

    I assume you will not need a phone contract, mortgage, loan etc during the next 6 years?
    • Sja
    • By Sja 29th Nov 17, 6:59 PM
    • 7 Posts
    • 2 Thanks
    Sja
    • #9
    • 29th Nov 17, 6:59 PM
    • #9
    • 29th Nov 17, 6:59 PM
    Hey, thanks so much for your kind good wishes. I check all three of my full credit reports each month and they are all spotless because I always pay my bills on time (assuming the company concerned actually bills me that is).

    I've worked in credit scoring for 15 years so don't try to bamboozle me with empty scare stories.

    Incidentally Iresa have never appeared on any of my credit reports in any capacity so I guess they don't report to the CRAs.
    • rusty frog
    • By rusty frog 4th Dec 17, 8:48 PM
    • 141 Posts
    • 333 Thanks
    rusty frog
    We have been with Iresa since February 2017 when we switched to what was the cheapest deal around.
    To be honest I cant complain about their customer service because I have never needed to test it.
    We have a small debit on the electric side and just over £120 on the gas.
    With the above in mind and bearing in mind the forecasted cold winter, it wont take too long to run this credit down.
    Of course all this may change if/when we decide to leave them, but up to now no complaints.
    I started out with nothing and I still have most of it left!

    • johnpr98
    • By johnpr98 19th Jan 18, 1:24 PM
    • 60 Posts
    • 11 Thanks
    johnpr98
    In Credit, DD increased
    I had an advance notification of a £13 Direct Debit increase last month when Iresa posted I was in debit, this mistake was corrected and I went back to the normal DD payment.

    i am in credit and Iresa have notified me again of an increase in my DD, I have received no reply after using online tickets, email and Twitter, btw I am not alone on Twitter as many have the same issue of increased DD's when in they are credit, does anyone know what is happening?

    My meter readings are sent in monthly to Iresa as requested

    I understand the T&C's that say I should keep in Credit, by the end of the year I will be 100 units in credit on my current projection.

    Thank you
    • Hengus
    • By Hengus 19th Jan 18, 1:46 PM
    • 5,909 Posts
    • 3,643 Thanks
    Hengus


    I understand the T&C's that say I should keep in Credit, by the end of the year I will be 100 units in credit on my current projection.

    Thank you
    Originally posted by johnpr98
    100 units or £100? Unless you switch suppliers in, say, April and build up a summer credit then many of the new/small suppliers are demanding extra money if a debt on the account becomes likely. They have to pay their wholesalers in advance of supply and they do not have the ability to borrow money at competitive rates. It is worth looking at some of the recent accounts of some of the small suppliers to see how much debt they have built up prior to taking on customers.
    • footyguy
    • By footyguy 19th Jan 18, 1:54 PM
    • 4,136 Posts
    • 1,671 Thanks
    footyguy
    I had an advance notification of a £13 Direct Debit increase last month when Iresa posted I was in debit, this mistake was corrected and I went back to the normal DD payment.

    i am in credit and Iresa have notified me again of an increase in my DD, I have received no reply after using online tickets, email and Twitter, btw I am not alone on Twitter as many have the same issue of increased DD's when in they are credit, does anyone know what is happening?

    My meter readings are sent in monthly to Iresa as requested

    I understand the T&C's that say I should keep in Credit, by the end of the year I will be 100 units in credit on my current projection.

    Thank you
    Originally posted by johnpr98
    This useful MSE article will assist you if you feel a change in a monthly DD amount requested by any energy supplier is unfair

    https://www.moneysavingexpert.com/utilities/lower-energy-direct-debits

    I found Iresa very amenable to a request to revert my monthly DD to the former amount when I found myself in a similar situation.

    i.e. after I identified to them a billing error.

    They did the reversion whilst I was on the phone to them. See the Iresa feedback thread linked to by me in post#4 of this thread back in November.

    Would have been better than bumping this thread last posted in early December, don't you think?

    Good luck!
    Last edited by footyguy; 19-01-2018 at 1:58 PM.
    • johnpr98
    • By johnpr98 19th Jan 18, 1:56 PM
    • 60 Posts
    • 11 Thanks
    johnpr98
    100 units
    • johnpr98
    • By johnpr98 19th Jan 18, 2:03 PM
    • 60 Posts
    • 11 Thanks
    johnpr98
    Iresa were amicable in December and corrected their error, they are dragging their feet in January.
    Tthey have increased DD's for many when they are in credit, 94 in a queue is beyond my patience limits (as some have reported) due to this error?
    I have now found the Iresa feedback thread on the forum, which didn't come up in a search for some reason
    http://forums.moneysavingexpert.com/showthread.php?t=5477354&page=77#topofpage
    Post #1539 seems to give a reasonable analysis
    • Hengus
    • By Hengus 19th Jan 18, 2:05 PM
    • 5,909 Posts
    • 3,643 Thanks
    Hengus
    100 units
    Originally posted by johnpr98
    So what is your present £credit balance?

    The other problem is that our personal calculations often differ from what the supplier's algorithm suggests. I had a situation a couple of years ago when I was with one of the Big 6 where the supplier re-calculated my annual projected usage based on my first 3 months usage in Winter divided by 3 times 12. I took my complaint all the way up to The Energy Ombudsman who ruled that suppliers can assess annual usage in anyway they wish (or words to that effect) to avoid consumers getting into debt. I just ditched and switched to a (then) cheaper deal.

    PS. I followed MSE's advice on DD reductions and it got me absolutely nowhere.
    • itchyfeet123
    • By itchyfeet123 19th Jan 18, 2:10 PM
    • 431 Posts
    • 482 Thanks
    itchyfeet123
    I had an advance notification of a £13 Direct Debit increase last month when Iresa posted I was in debit, this mistake was corrected and I went back to the normal DD payment.

    i am in credit and Iresa have notified me again of an increase in my DD, I have received no reply after using online tickets, email and Twitter, btw I am not alone on Twitter as many have the same issue of increased DD's when in they are credit, does anyone know what is happening?

    My meter readings are sent in monthly to Iresa as requested

    I understand the T&C's that say I should keep in Credit, by the end of the year I will be 100 units in credit on my current projection.

    Thank you
    Originally posted by johnpr98
    I've had issues with Iresa since I switched that prevented me from submitting readings, and so the "estimated" reads (numbers pulled out of thin air, but I digress) had me in substantial debit with them threatening to take a one time payment and up my DD. I was finally able to submit readings this week, and it turns out I'm actually in substantial credit.

    I got on the phone today and it was actually pretty painless (apart from the wait to get through to an operator) to get them to cancel the one off payment and substantially reduce my DD. Of course, the DD comes out tomorrow and it was too late to change that one, so it'll be a month before I know if it actually worked.
    • johnpr98
    • By johnpr98 19th Jan 18, 2:12 PM
    • 60 Posts
    • 11 Thanks
    johnpr98
    £12.00 + is my current Credit based, on my late December reading on the date chosen by Iresa which covers my bill up to Dec 31st 2017
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