Npower Debt Collection Agency – Should you Pay? 2022
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Rising energy prices mean people are increasingly receiving debt collection letters from energy companies. This post will discuss all the important things you need to know about the Npower Debt Collection Agency. If you are reading this post, it is likely that you have received a letter from Npower Debt Collection. If so, read on to discover how best to deal with their claim, whether you could write off this debt and more.
Beating Debt Collectors
There are several ways to deal with NPower Debt Collection Agency 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.
Npower Debt Collection Agency – Who are they?
Npower has recently been absorbed into the E.ON Group, and all customers have been moved across to their service. Find out more information regarding this absorption and how you might be affected here.
The Npower Debt Collection Agency is the debt collection team of Npower, formerly one of the ‘big six’ energy firms in the UK. They serve roughly 5 million customers, both residential and commercial, with electricity and gas.
As such a large company, it is reasonable to assume that there are scammers out there looking to take advantage of its huge customer base of Npower. You should be wary of this, and the best thing to do if contacted by the Npower Debt Collection Agency is to contact Npower to confirm the legitimacy of any debt letters.
You can contact Npower via their telephone number: 0800 138 2322. This number is for general customer service enquiries, see their website for more options that may be more pertinent to your situation.
What if you can’t afford your Npower Energy Debt?
If you are unable to afford your Npower Energy Debt, don’t panic, there are several things you can do.
Firstly, EON Energy has a specific helpline for anyone falling behind on their energy bills: 0345 052 0000. Making contact with them as soon as you know you are struggling with paying any debts or bills is very important. This gives you more time to work out a solution and reduces the impact you may feel on your future finances.
Npower (now EON) offers several avenues of help in regard to debt and bill repayment. Firstly, they will assess whether you are eligible for a Fuel Direct scheme, which offers grants for those on benefits. If this is the case, you may be able to get immediate aid toward your bills and any associated debts.
If you aren’t eligible for a scheme such as this, they can work with you to outline a payment plan for outstanding payments and debts. This works by paying back a certain amount over an agreed time period. This will take into account your specific situation and will be tailored to suit you as best as possible. There is also an option to pay your bill via fixed monthly direct debit.
If necessary, EON Energy also offers a Pay As You Go service. This involves fitting a smart meter and topping up in advance with an amount of your choice. If this is not a suitable option, or one cannot be fitted in your area, then a prepayment meter may be required.
Ask for proof of debt.
When first making contact with Npower Energy, it’s important to request proof of the debt that you owe. If they don’t have proof of the debt then they are unable to demand payment or threaten you with court action.
Download the “prove it” debt letter template I created to effectively communicate your request with Npower Energy. This is a good first course of action, especially if you are in any way unsure about the debt owed.
Other Options to Consider.
There are other options remaining if you are unable to create an affordable payment plan that the debt collectors agree to.
An IVA reduces the debts you owe including energy debt. IVAs are not an option for everyone so it’s vital that you seek impartial advice before considering an IVA.
Bankruptcy works to resolve debt problems for those who cannot pay. Bankruptcy does have long-lasting implications. There are free impartial money advice services available so you can find the correct money management solution for your personal situation, such as Citizens Advice or Step Change.
- Debt Relief Order
You may be able to gather all your debts together and use manageable payments and stop the accruement of future debt with a Debt Relief Order.
Npower debt collection letters may leave you feeling threatened, scared and stressed. There is light at the end of the tunnel, so don’t bury your head in the sand. Ignoring the letters can result in larger debt and even court action. There are money advice services and UK debt charities available for you to use to find the correct solution for you.