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Npower Debt Collection Agency – Should you Pay?

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Scott
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Scott Nelson

Managing Director

MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.

Learn more about Scott
&
Janine
Janine Marsh Profile Picture

Janine Marsh

Financial Expert

Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.

Learn more about Janine
· Feb 7th, 2024
Could you legally write off some debt? Answer below to get started.

Total amount of debt?

This isn’t a full fact find, MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

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Npower Energy Debt Collectors

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

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. 

Could you legally write off some debt?

There are several debt solutions in the UK, choosing the right one for you could write off some of your unaffordable debt, but the wrong one may be expensive and drawn out.

Answer below to get started.

How much debt do you have?

This isn’t a full fact find. MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

Ask for proof of debt.

Npower Energy Debt Collectors

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. 

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.

» TAKE ACTION NOW: Fill out the short debt form

Npower Contact Details

Registered Office: Westwood Way, Westwood Business Park, Coventry, CV4 8LG, United Kingdom.
Telephone: 0330 912 8884
Monday-Friday 9am-5pm.
Excluding public holidays
Website: https://npowerbusinesssolutions.com/

How a debt solution could help

Some debt solutions can:

  1. Stop nasty calls from creditors
  2. Freeze interest and charges
  3. Reduce your monthly payments

A few debt solutions can even result in writing off some of your debt.

Here’s an example:


Situation

Monthly income £2,504
Monthly expenses £2,345
Total debt £32,049

Monthly debt repayments

Before £587
After £158

£429 reduction in monthly payments

If you want to learn what debt solutions are available to you, click the button below to get started.

Get Started

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

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.  

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.

Could you legally write off some debt?

Answer below to get started.

How much debt do you have?

This isn’t a full fact find, MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

The authors
Scott Nelson Profile Picture
Author
MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.
Janine Marsh Profile Picture
Debt Expert
Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.