2 Page 1 Introduction This charter tells you what you need to know about using a prepayment meter to pay for your electricity or gas. Section Contents Page 1 What You Can Expect From Us 2 2 What You Can Do to Help 3 3 Things You Need to Know About Prepayment ( Pay As You Go ) What is Prepayment? What are the Pros and Cons of Prepayment? How do I get a Prepayment Meter? What Happens During Installation 7 4 Operating Your Prepayment Meter Where to Buy Credit How to Credit Your Meter 10 5 Special Circumstances Paying off Debt Through Prepayment Meters Emergency Credit What to Do if Your Supply Has Stopped Moving House Self Disconnection Payment Difficulties 15 6 Leaving the Prepayment System Refunds 17 7 Faults and Emergencies Lost Keys and Cards Faults & Emergencies 19 8 Some Sources of Independent Advice 20 9 What to Do If We Get It Wrong 21
3 Page 2 Section 1 What You Can Expect From Us 1. What You Can Expect From Us As a prepayment customer, you can expect us to: Provide impartial information on the advantages and disadvantages of prepayment. Give you help or advice if your prepayment meter or payment device is faulty. Provide you with information on procedures, conditions and timescales for removing or resetting your prepayment meter. Take steps to reset your prepayment meter within a reasonable period of time after a price change, or a change to the instalments you pay. Some meters can be re-set remotely, but to adjust others we need to visit your home. You should let us have access to your meter when we visit. If you do not, you may be paying more than you need to or incurring a debt, which you will later have to repay. Fit a prepayment meter, if you ask us, provided we can put the meter in a safe and suitable place. Provide you with a list of outlets where you can buy credit for your prepayment meter if you ask us. Prepayment can also be useful if you have been finding it difficult to pay your energy bills. If this applies to you, here are some other things we can do: If you owe us money, we may offer to collect payments towards the debt through a prepayment meter at a rate agreed between us and you. If you owe us money and agree to have a prepayment meter installed, we will not disconnect your energy supply. If you have a poor payment history with us, we will provide you with an energy supply, provided you use a prepayment meter. We will give you emergency credit on your prepayment meter that you can use in genuine emergencies and pay back later. We will give you free advice on how to use energy more efficiently to try and reduce your energy bills.
4 Page 3 Section 2 What You Can Do to Help 2. What You Can Do to Help As a Prepayment customer, you can help us keep your account in order by: Buying credit for your prepayment meter at selected Post Offices and PayPoint outlets, which include a range of shops and some petrol stations. Looking after the key or card for your prepayment meter and only using your personal key or card to buy credit. Contacting us right away if your key or card is lost, stolen or damaged. Making sure your prepayment meter stays in credit and repaying any emergency credit you use. Putting enough credit into your prepayment meter to cover the cost of your energy, the service charge, plus any debt repayments you agree with us. Letting our meter readers or agents into your home at all reasonable times to check, read, recalibrate or maintain your prepayment meter. Ensuring your prepayment meter is not damaged or tampered with in any way. Calling us right away if you suspect your meter or other equipment has been damaged or tampered with. Calling us as soon as possible if you think your meter has developed a fault. Telling us if you are planning to move home.
5 Page 4 Section 3 Things You Need to Know About Prepayment ( Pay As You Go ) 3 Things You Need to Know About Prepayment ( Pay As You Go ) 3.1 What is Prepayment? Prepayment lets you pay for your electricity or gas as you go instead of paying monthly or quarterly bills. You get a key or card that is unique to you and your meter, which you top up with credit at selected Post Offices and PayPoint outlets, including a range of shops and service stations. Many customers find prepayment makes it easier to budget for their energy needs alongside other household bills. When you credit your meter, you pay for: Your electricity or gas; and A small daily service charge for the provision of your meter this is equivalent to the standing charge paid by quarterly cash and direct debit customers and is also known as the daily charge and the fixed charge. A prepayment meter can also be set to collect money you owe from previous bills, at a rate agreed between you and ScottishPower.
6 Page 5 Section 3 Things You Need to Know About Prepayment ( Pay As You Go ) 3.2 What are the Pros and Cons of Prepayment? Some of the advantages of prepayment include: Using a prepayment meter allows you to Pay As You Go. It could help you budget for your gas or electricity and keep track of how much you re spending on energy. If you are having difficulty paying for an electricity bill, a prepayment meter can be set to pay the money you owe at a fixed amount each week. If you can t get an energy supply due to a poor payment record, a prepayment meter can be installed to provide you with a supply of electricity or gas. You will have an emergency credit facility to use in genuine emergencies when you can t get to the shops to buy credit, but remember if this runs out you have to pay it back AND top up with normal credit to get the supply back on. You can build up credit on your prepayment meter over the summer to try and reduce the amount you have to spend in winter.
7 Page 6 Section 3 Things You Need to Know About Prepayment ( Pay As You Go ) The potential disadvantages of prepayment include: You have to be able to visit a retail outlet to buy credit and you must keep your prepayment meter in credit, or your supply will stop. You can request the removal of a prepayment meter at any time. We may carry out a credit search when you request a meter exchange. You will need to pay any outstanding arrears as well as the cost of the meter exchange. In some circumstances a security deposit may also be required. You are likely to need to buy more credit in winter when it is colder and darker your energy use is expected to be higher. If you re on a low income, spreading payments evenly through the year on an instalment scheme may be more suitable for you. If your meter is not re-set following a price increase or change in your instalments, debt can build up, which you will have to repay. You must allow us access to the meter to reset it at all reasonable times. If you have sight difficulties or other special needs you might find a prepayment meter difficult to use. Paying by prepayment can be more expensive than other payment methods, such as Direct Debit. Check with us and we ll tell you whether you re on our best deal possible for your circumstances. 3.3 How Do I Get a Prepayment Meter? If you want to have a prepayment meter fitted, simply contact us on (lines open Monday to Friday 8am to 7pm, Saturday 8.30am to 1pm) and we ll arrange to visit you. We need to check if there s enough space in your home to fit a prepayment meter safely and in a place that allows easy access. It may not be possible to fit a prepayment meter if your existing meter is too high, in a very confined space, or inside a unit. If your meter is in an awkward place that makes it difficult for you to read, please tell us. We will look at your meter and see if it is possible to move it to a more suitable place. However, unless this is fairly close to the original location, there may be a charge. When we fit a prepayment meter, we will make sure there is some start up credit which you pay back later to give you time to go and buy credit.
8 Page 7 Section 3 Things You Need to Know About Prepayment ( Pay As You Go ) 3.4 What Happens During Installation? We will contact you to arrange a suitable time to install your prepayment meter. A meter engineer will then visit you at home to carry out the work. He or she will show their identity card, check your details and examine your existing meter to decide if it is safe and practical to fit a prepayment meter in the same place. Installation usually takes about 20 minutes, but this can vary depending on the position of your existing meter and the type of meter being installed. Before installing the prepayment meter, the meter engineer will turn off your energy supply. He or she will ask you to switch off any sensitive electrical equipment that could be affected by sudden loss of power, such as a personal computer or satellite decoder. The meter engineer will fit the prepayment meter following strict safety and quality regulations and your energy supply will be switched back on. The engineer will then carry out some tests to make sure the meter is working properly and show you how to use it. You may also get a booklet telling you all about your prepayment meter this may be given to you by the meter engineer, or posted out to you. Please keep it in a safe place to look at in future, as it contains the information you will need to operate your meter and advice on what to do if you encounter a problem. After the job has been completed, we will send you a letter that gives you details about the various payments we will be collecting from your prepayment meter and what they are for.
9 Page 8 Section 4 Operating Your Prepayment Meter 4. Operating Your Prepayment Meter There are several different kinds of prepayment meter and the information in this Charter is intended as a general guide only. For specific information on your meter, please refer to your operating booklet.
10 Page 9 Section 4 Operating Your Prepayment Meter 4.1 Where to Buy Credit After your prepayment meter has been installed, you need to go to an authorised outlet to buy credit to charge your key or payment card and feed that into your meter. We always provide a small amount of emergency credit to start you off, but remember you have to pay this back. You can buy credit for your prepayment meter at a range of local retail outlets, including: Anywhere you see the yellow and purple PayPoint sign (shops and service stations). Selected Post Offices. If you are not sure where to go, please contact us on (lines open Monday to Friday, 8am to 7pm, Saturday 8.30am to 1pm) and we will tell you which outlets are nearest your home. To buy credit: Hand your key or card over to the assistant and ask for the amount of credit you want to buy. Please note there is a minimum charge of 1 for gas. The minimum amount of electricity credit you can buy is 5. Always ask for a receipt and if you have a key meter, check that it says: Credit Accepted before leaving the outlet. Keep your receipt as proof of purchase. We recommend that you keep your receipts until after you have received and checked your next statement from us, in case of any dispute.
11 Page 10 Section 4 Operating Your Prepayment Meter 4.2 How to Credit Your Meter After you have topped up the credit on your key or card, you should transfer this to your meter as soon as possible. Simply insert the key or card into the meter and leave it in place until the display on the meter changes. It should show the amount of credit you are adding to your account and then the total amount of credit that is in the meter. You can then remove the key or card and put it in a safe place. You should only use the key/card provided to you by ScottishPower. If you use anything else, for example, a card belonging to someone else, the money will not reach your account and you will build up debt that you will have to repay. If your meter needs a key or card and you have not received it by the date your meter is due to be installed, or your supply transferred, please contact us and we will send you one or direct you to an outlet to collect one. Reading and Re-setting Your Prepayment Meter For a key meter, we can re-set it remotely and we will normally only visit you once every two years to read the meter. We also have to reset some types of key meter. You must allow access to the meter to reset it at all reasonable times. We may also change the settings on your meter if the readings show there is an outstanding debt to clear. After we have read your meter we will normally send you a statement that shows: All the prepayment meter charges. The amount you owe (if anything) and how we have worked it out. The fixed daily service charge for your meter. A contact telephone number for advice and emergencies.
12 Page 11 Section 5 Special Circumstances 5 Special Circumstances 5.1 Paying Off Debt Through Prepayment Meters A prepayment meter can be set to collect a weekly amount towards any debt you owe as well as the ongoing costs of the electricity or gas you use and the daily service charge. When we set the prepayment meter to collect debt repayments we will consider how much you can afford to pay and whether you are paying off other debts. Sometimes if customers owe us money and have been unable to clear the debt through other payment plans, we may insist on installing a prepayment meter to avoid cutting off your energy supply. In this case we will contact you beforehand to explain that we want to change your meter. If you are paying off debt through the prepayment system you will need to make sure you buy enough credit every week to cover the repayment amount as well as ongoing usage. If you owe us money but do not want a prepayment meter, you must call us to discuss alternative options.
13 Page 12 Section 5 Special Circumstances 5.2 Emergency Credit Prepayment Meters ( Pay As You Go ) While you are responsible for remembering to top up your key or card to ensure you remain in credit and on supply, we know that emergencies can and do happen, so we build in a certain amount of emergency credit to your meter to tide you over until you can top up your key or card. Your instruction booklet explains how to activate emergency credit and how to return your prepayment meter to normal use. Remember, when your meter is in emergency credit mode, you are using electricity or gas that you have not paid for and you will have to pay it back. 5.3 What To Do If Your Supply Has Stopped If you run out of emergency credit, your electricity supply will go off. Press the blue button once and the meter will display the minimum amount of credit top up you need on your key or card to return the meter to normal. Please note that the colour of the main button can vary depending on the type of meter you have. Sometimes the key or card needs to be in the meter to activate the displays and with some meters the amount of credit required is not always the first screen displayed. Remember that even when your supply is off, your meter will continue to collect the service charge and any debt repayments, so you will need to top up the credit on your key or card by more than the minimum amount shown to get your account back into credit. For gas meters the amount used while off supply will be deducted when credit is added to the meter.
14 Page 13 Section 5 Special Circumstances 5.4 Moving House Moving Out If you plan to move house, please tell us at least two working days before you move. If you are writing to us, allow 10 working days. You can call our Homemover team on (lines open Monday to Friday, 8am to 7pm, Saturday 8.30am to 1pm) with your final meter readings. In some cases we may be able to visit you to read your meter on the day you move. If you don t tell us you are moving, before you move, you could have to pay for energy that is used after you move. This could be up to two days after you tell us, or if you still haven t told us, up to the date of the next meter reading, or the date someone else enters into an energy supply agreement at your old address. Do not leave your payment card for the next occupant, as these are personal to your account. However, do leave your prepayment key, if you have one, as it cannot be used in any other meter. Moving In Contact us seven working days before you move in to your new home, so we can make sure your electricity or gas supply is connected. If you are writing to us, allow 10 working days. If you haven t made an arrangement with us before you move, you must tell us when you start using energy at your new home. You can contact us on (lines open Monday to Friday, 8am to 7pm, Saturday 8.30am to 1pm). If your new home has a prepayment meter that you want to use and we are the supplier, please contact us. If the prepayment meter in your new property is off supply we will send you a new key or card by first class post. We can arrange a next day delivery for a fee. Tell us right away if you receive a bill with the wrong name or address on it you are not responsible for paying a bill for energy consumed by a previous tenant at your address.
15 Page 14 Section 5 Special Circumstances 5.5 Self Disconnection If you don t buy enough credit to cover the gas and electricity you use, the service charge and repayments towards any debt you owe, your supply will be cut off. This is called self-disconnection. Please tell us if you are self-disconnecting as we may be able to help you. For example: We can tell you about alternative payment schemes. We may be able to change the amount you are paying every week towards debt repayment. We can give you advice on how you could reduce the amount of energy you use. We can refer you to another organisation who could help with managing debt and maximising benefits income. We want to avoid cutting off your electricity or gas supply where possible. Please tell us if: You or anyone in your household has a long-term illness or severe disability which means you or they need a constant supply of electricity. Anyone in the house is of pensionable age, is chronically sick or has a disability. You have special needs or are facing particular financial difficulties. If you will be away from home for a long time - on holiday, in hospital or because of work, for example. In these cases we will try to make arrangements that avoid cutting off your electricity or gas supply. Your supply may be cut off, however, if you can afford to pay but won t.
16 Page 15 Section 5 Special Circumstances 5.6 Payment Difficulties If you are having trouble paying for your electricity or gas, please tell us and we will do our best to help. You may find our Warmth Without the Worry booklet useful. This booklet is available in the Customer Services section of our website at and we could help you reduce the amount of energy you use. We can also refer you to organisations that offer independent money advice. Please see our Charter on Your Gas and Electricity Billing available on our website at Further reference to independent sources of help and advice are available on our website:
17 Page 16 Section 6 Leaving the Prepayment System 6 Leaving the Prepayment System The conditions for removing a prepayment meter will depend on individual circumstances. You can request the removal of a prepayment meter at any time. We may carry out a credit search when you request a meter exchange. However, we may ask you for a cash deposit from you before we let you change the way you pay. The amount we ask for will not be unreasonable and will be refunded in full (plus interest and minus tax) after you have made all payments on time over a year. For more information, please call us on (lines open Monday to Friday, 9am to 7pm, Saturday, 8.30am to 1pm). You may also be required to pay the costs of the job to remove the prepayment meter. This cost will not be unreasonable and will only cover the cost of the visit to change your meter. We will advise you of this cost before we agree to remove the prepayment meter. You can also opt out of prepayment if: You want to change to paying through the Fuel Direct scheme and are accepted for this by the Department for Work and Pensions. You have special needs and prepayment is unsuitable for you. You are changing to a different supplier. If you have no outstanding debt, you should contact them for a new card or key and use your old one until it arrives. However, if you owe us money, we may object to you changing supplier until after the debt has been cleared.
18 Page 17 Section 6 Leaving the Prepayment System 6.1 Refunds Before you leave the prepayment system we will need a final meter reading to balance your account. We will tell you whether you have anything to pay, or if we owe you a refund. If you are owed a refund, we normally use this to reduce your next bill. However, if you would like the money refunded to you, please contact us. If you are changing supplier the money will be refunded to you automatically. Removing the Prepayment Meter We will try to change your meter from prepayment to a credit meter within 10 working days of agreeing the change.
19 Page 18 Section 7 Faults and Emergencies 7 Faults and Emergencies 7.1 Lost Keys or Cards If you lose or damage your prepayment key or card you will need to contact us to arrange a replacement. To do this, please telephone us on (lines open Monday to Friday, 8am to 7pm, Saturday 8.30am to 1pm). We will discuss delivery arrangements or for you to pick up a card/key at an outlet. There may be a fee to pay for a new key or card. However, if your card or key is faulty and you return this to us, we ll reimburse the fee. If you are off supply due to a lost card and you have special needs or are elderly and are unable to visit an outlet or wait for a delivery, tell us right away and we will try to arrange a visit to get you back on supply. When we visit we will give you a small amount of emergency credit, which you pay back through your meter.
20 Page 19 Section 7 Faults and Emergencies 7.2 Faults & Emergencies If your prepayment meter develops a fault, please contact us on (lines open Monday to Friday 8am to 7pm, Saturday 8.30am to 1pm). If your meter is not operating effectively, and affecting your supply, we will arrange to visit you within the following timescales: Electricity If you call us between 7am and 7pm from Monday to Friday, or between 9am and 5pm on a Saturday or Sunday, we can normally visit you within three hours on week days and four hours at weekends. Gas If you call us between 8am and 8pm from Monday to Friday, or between 9am and 5pm on a Saturday or Sunday, we can normally visit you within four hours. However, if you smell gas or think you have a gas leak: Call the 24-hour Gas Emergency Service on Turn off the gas immediately at the emergency control valve by the meter. Open all windows and doors. Do not use electrical appliances or naked flames. If you have special needs, we will arrange to visit you as soon as we can. You will not have to pay for our visit if your meter is faulty, but we will charge you if you have simply not bought credit for your meter. We can arrange to collect this charge through your prepayment meter. Note: Interfering with metering equipment is a criminal offence and can kill. If you tamper with your electricity or gas meter you will not be covered by the conditions explained in this charter.
21 Page 20 Section 8 Some Sources of Independent Advice 8. Some Sources of Independent Advice Citizens Advice Bureau - Scotland Telephone: Lines open Monday to Friday 9am to 8pm, Saturday 9am to 3pm Website: Citizens Advice Bureau England Telephone: Lines open Monday to Friday 9am to 8pm, Saturday 9am to 3pm Website: Citizens Advice Bureau Wales Telephone: Lines open Monday to Friday 9am to 8pm, Saturday 9am to 3pm Website: National Debtline Telephone: Lines open Monday to Friday 9am to 9pm, Saturday 9.30am to 1pm Website: Consumer Credit Counselling Service Telephone: Lines open Monday to Friday 8am to 8pm, Saturday 9am to 3pm Website:
22 Page 21 Section 9 What to Do if We Get it Wrong 9. What to Do if We Get it Wrong We want to provide you with the best possible service at all times. However, if we have made a mistake, or you are unhappy with any aspect of our service, please tell us we will try to put things right. You can , telephone or write to us. Phone: Minicom: Lines open Monday to Friday 8am to 7pm, Saturday 8.30am to 1pm. Write to us at: ScottishPower Customer Services, Cathcart Business Park, Spean Street, Glasgow, G44 4BE For further details on our complaints process, please see our Charter on Handling Your Enquiry or Complaint available on our website at
23 If you would like more information about this charter contact our Customer Service team on: ScottishPower Customer Services, Cathcart Business Park, Spean Street, Glasgow, G44 4BE SCP3734 AUGUST 2012
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Supporting someone to manage money a guide for carers Taking care of money Everyone should have the right to make their own decisions about the money that they own. To do this well, a person needs information
Dealing with debt - toolkit Information from Southampton City Council Step 5. Tackle the most important debts first Step 5. Tackle the most important debts first priority creditors. Some debts are more
1 Code of Practice on Payment and Debt Recovery 2 In this leaflet we explain our policies if you fall into debt and what you can do to get help and support if you are having problems paying a water bill.
JOINING US TOGETHER MOVING YOUR CURRENT ACCOUNT TO LLOYDS BANK Downtime. It s a precious commodity. So when you re rushing from A to B it s good to know switching your bank account to Lloyds Bank is quick
Bank of Scotland Bank Accounts January 2007 Special conditions Bank account conditions Always giving you extra 2 Welcome to the Bank of Scotland Thank you for choosing to bank with the Bank of Scotland.
Are you in danger of losing your home? Help is at hand. Mortgage to Rent scheme Mortgage to Shared Equity scheme The Scottish Government Home Owners Support Fund What are the Mortgage to Rent and Mortgage
12 FACT SHEET Money matters This fact sheet provides advice and information about how best to manage your money to make it easier to manage your household expenses. It also provides details of agencies
Dealing with Debt www.waverley.gov.uk/housingoptions You Are Not Alone These days, lots of people are in debt for different reasons and many people find their debts difficult to manage. The important thing
Conditions of supplying electricity These conditions apply if you are a business customer (which includes a Micro Business customer) and are using our electricity services to supply your Premises. (For
Current Account Conditions and AccounT Information. If you open an account with us it will be with Yorkshire Building Society (trading as Norwich & Peterborough Building Society, Norwich & Peterborough
CUSTOMER FAQs CUSTOMER FAQs Not changed your energy tariff in the last 2 years? Now is the time. AVERAGE YEARLY DUAL FUEL SAVING: 216 The Easy Energy Switching Tool for Nottinghamshire households. Switching
Terms and Conditions for Hive Active Heating (Hive Active Heating - professional install for business customers) Please read this document carefully as it will tell you everything you need to know about
Contract for the supply of energy to business premises EDF Energy is a trading name used by EDF Energy Customers plc (registration number: 02228297), whose registered office is at 40 Grosvenor Place, London,
Consumers Billing Rights with electricity & gas companies Useful information Contents 3 Reasons for an unexpectedly high energy bill 5 Prices may increase during a billing cycle 5 Back-billing 6 Concessions
Banking made clear Information pack for people with learning disabilities. This handy guide provides information about how you can: open and manage your own bank account keep safe when you are using your
Banking made clear Information pack for people with learning disabilities. This handy guide provides information about how you can: open and manage your own bank account keep safe when you are using your
Contract for the supply of electricity to business premises B2001SAP.IH.DST.09/15.V5 EDF Energy is a trading name used by EDF Energy Customers plc. Our registration number is 02228297 and our registered
SoftLink Computer Systems Limited Code of Practice SoftLink Computer Systems Limited is a provider of IT Support services, Communication services, Telecommunication and Broadband solutions for domestic
Overpayments and help with debt HOUSING BENEFIT AND COUNCIL TAX REDUCTION This leaflet explains overpayments and where to get help if you are in debt An overpayment is where we pay you or your landlord
Energy Best Deal Gas and electricity prices are rising but there are ways to cut the cost of your energy bills: Make sure you re getting the best energy deal for you. If bills are a struggle - get help
Code of Practice on Debt Recovery SSE is a trading name of SSE Water Limited, which is a member of the SSE Group. The Registered Office of SSE Water Limited is 55 Vastern Road, Reading RG1 8BU. Registered
YOUR BANKING RELATIONSHIP WITH US Personal Banking terms and conditions April 2014 This booklet contains the general conditions that apply to our personal bank accounts and some related services. Please
YOUR BANKING RELATIONSHIP WITH US Personal Banking terms and conditions July 2015 Changes to your Bank Account or Savings Account Conditions We are making some changes to the conditions that apply to our
FLEXONE Terms and Conditions and How to use your account How this document works This document contains important information to help you understand the key features of the FlexOne account and to understand