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EON Debt Collection – Should you Pay

HomeDebt InfoEnergy DebtEON Debt Collection – Should you Pay
eon debt collection

For free and impartial money advice and guidance, visit MoneyHelper, to help you make the most of your money.

Energy costs can be substantial and many customers may be struggling to pay their EON bills.  If you’re one of them, you could end up being referred for EON debt collection – but should you pay?

It’s never a good idea to ignore debt because you could end up facing extra costs or tougher action. The sooner you deal with the issue, the easier it is to tackle, even if the outstanding balance has been referred for debt collection. 

Below I’m going to outline what you need to do about EON debt collection and the various options you have. 

Beating Debt Collectors

There are several ways to deal with debt collectors and improve your finances.

Choosing the right way to tackle your debt could save you time and money, but the wrong one could cause even more harm.

It’s always best to find out about all your options from a professional before you take action.

Fill out the 5 step form to get started.

What Happens If You Don’t Pay Your EON Bill?

If you don’t pay your EON bill, your service may be disconnected or a prepayment meter could be fitted, even if this isn’t what you want. If you have an energy debt and haven’t made an agreement about how you’re going to repay it, companies like EON have the right to apply to the court to force the fitting of a prepayment meter. 

You will also have to pay what you owe. EON has various options and the size of your debt may determine their course of action. For example, a smaller energy debt may be added to the meter tariff and gradually recouped. 

However, generally for most energy debts where you haven’t agreed on a repayment plan, EON will use a debt collection service. This doesn’t happen instantly but if you don’t contact EON about how to repay what you owe a debt collection service will eventually take over. 

Does EON Affect Your Credit Score?

If your outstanding bill with EON is passed to a debt collection service, it may affect your credit score. This isn’t usually the case if you are still in communication with EON and in the process of agreeing on a repayment schedule. Energy firms are normally keen to work with customers to find a solution.

This is one of the reasons why it’s a good idea to tackle your debt as soon as possible. Speaking to EON, even if you can’t afford to pay what you owe, could prevent the case from being referred to a debt collector and potentially affect your credit score. 

Be Sure The Debt is Yours

Although it’s not common, there have been cases where an EON debt collector has been chasing payment from the wrong person, or for a bill which didn’t exist. Mistakes can and do happen, so you’re perfectly entitled to ask for proof of the debt before agreeing to pay. 

You can use our MoneyNerd template which asks debt collectors to prove what you owe. This means you can be confident that the debt is genuine before starting to negotiate a repayment schedule.

Feeling like Chandler?

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Can I Avoid Paying the EON Debt Collector?

EON debt collectors are not bailiffs but if you ignore their attempts to contact you, the case might be referred to court. This could result in a CCJ which allows bailiffs to become involved. Bailiffs have more powers than a debt collector and can remove items from your home to sell. 

Once a case has been referred for debt collection, it’s a good idea to take action swiftly. Debt collectors won’t just disappear if you ignore them. If you delay, the EON debt collection agency may make an application to the court and can refuse to halt the action unless you settle the debt in full. 

It’s usually possible to make an agreement for a repayment schedule with a debt collector. Their goal is to get the EON debt paid with the least amount of hassle, so getting in contact quickly can save a lot of worries. 

How Long Can EON Chase For Payment?

In the UK debts can only be chased for six years (five years in Scotland) if you haven’t made payment or acknowledged the debt during that time. Debts which are older than this are statute barred – providing no legal action has been taken already.

If a debt is statute barred, it means no legal action can be taken. It’s too late for EON to apply for a CCJ or enforcement action once debt reaches this point. But remember, debts only become statute barred if no legal action has been taken. If a CCJ is obtained before the six years (or five years) expires, it can be chased indefinitely.

eon debt collection

What Happens if I Can’t Pay the EON Debt Collector?

Although it’s usually possible to come to an agreement with the debt collector, they don’t have to agree to your suggested EON debt plan. If the debt collector refuses your offer and you can’t pay in full, they can go on to apply to the court for a CCJ. 

This might sound scary but don’t panic.

In reality, most debt collectors will be keen to come to an agreement and court action is typically a last resort. Court proceedings, a CCJ and bailiffs are a time-consuming and costly option and the vast majority of debt collectors will prefer to avoid this if possible. 

To improve your chances of getting an agreement in place, draw up a budget with all your income and outgoings. Sharing this with the debt collector can help to demonstrate that you don’t have any extra money to pay off the balance.

Remember, no matter how much you owe to EON, it’s not a criminal offence. Debt collectors have no power to enforce action and must behave in a reasonable matter at all times

Beating Debt Collectors

There are several ways to deal with debt collectors and improve your finances.

Choosing the right way to tackle your debt could save you time and money, but the wrong one could cause even more harm.

It’s always best to find out about all your options from a professional before you take action.

Fill out the 5 step form to get started.

Can I Get Help With My EON Energy Bill?

Energy bills are one of the biggest costs in a household and there are several grants available that can help. 

The Citizens Advice Bureau keep an up to date list of the available grants but these could include:

  • Warm Home Discount
  • Cold Weather Payment
  • Winter Fuel Payment

There are different criteria for the various grants, and some types of grants are only open for applications for part of the year. Energy firms like EON often have their own energy fund to help customers who are struggling to pay so it’s worth checking regularly to see if any new schemes have been made available.

You can get free, impartial advice from a number of debt charities such as StepChange, Citizens Advice and National Debtline. 

We also have a comprehensive range of articles and information available in our Debt Centre.

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