3 Page 1 Introduction If you are having trouble in meeting your financial commitments, you are not alone. Many people struggle to manage all their household expenses and if you are living on a fixed income, it can take just one unexpected bill to put you into debt. At ScottishPower we recognise that electricity and gas bills can account for a sizeable chunk of the household budget, especially in winter when more energy tends to be needed for warmth and light. So we ve put together this practical guide on managing energy bills, and the steps you could take to get back on your feet if you do owe us money and are finding it difficult to pay Section Contents Page 1 Our Promises to You 2 2 Your Responsibilities as a Customer 3 3 Things That Can Affect Your Account 4 4 How You Can Save Money On Your Energy Bills 5 5 Make Your Home More Energy Efficient 6 6 Where to Get Energy Efficiency Information & Advice 8 7 Getting into Debt? What You Should Do 12 8 Getting into Debt? What We Will Do 14 9 Other Sources of Help and Advice What to Do if We Get it Wrong 18
4 Page 2 Section 1 Our Promises to You 1. Our Promises to You We want to provide you with the best possible service and so we offer various ways to try and help our customers to manage their energy accounts. We will take regular meter readings in line with your payment plan.* We will send accurate and timely bills, where meter readings have been taken by us or provided by our customers. We will respond promptly to enquiries. We will conduct regular assessments of Direct Debit accounts to prevent debt building up. We will provide help and guidance to prevent debt and disconnection. We will pay attention to information about you that is passed on to us, with your permission, from 3rd parties. We will promote the efficient use of energy and provide impartial energy efficiency advice. We will provide extra help for customers with special needs or those who are unable to manage their own dealings with us. We will continue to offer up to date facilities, such as online account management. *Assuming we can gain entry. This excludes Online Energy customers. Our staff will treat you with fairness and courtesy at all times. If you are having genuine difficulty in making payments, our approach will be sympathetic and we will always try to talk to you, to work out a practical solution. We will work with you to try and agree an affordable repayment plan which will include a commitment from you to paying for your future usage. We may be able to advise you of other organisations that will be able to help you, for example by providing debt advice for any other bills. Whenever you tell us about your financial situation you can be assured that any details you give us will be treated in confidence.
5 Page 3 Section 2 Your Responsibilities as a Customer 2. Your Responsibilities as a Customer As a ScottishPower customer, you are responsible for: Paying your energy bill on time or ensuring that your prepayment meter remains in credit. Granting our meter readers and agents access to your home, when required. Supplying meter readings where none have been taken. Calling us straight away if you are having difficulty paying an energy bill. We may be able to help you repay any money you owe through a suitable repayment plan or by installing a prepayment meter in your home. To stick to an agreed repayment plan until your arrears have been repaid. Your energy bill is normally for electricity or gas you have already used. We are always sympathetic to customers facing genuine difficulties in making payment. If you do not pay your bill in full then we may be able to make an arrangement with you to pay the outstanding balance by agreeing with you suitable repayment arrangements or by having a prepayment meter installed. We may fit a prepayment meter or disconnect your supply if you do not agree to a repayment method. As this would involve court action and therefore incur costs for you, we try to avoid this action. We may also register a payment default against you with a Credit Reference Agency, which may impact your ability to obtain credit.
6 Page 4 Section 3 Things That Can Affect Your Energy Bill 3. Things That Can Affect Your Energy Bill Meter Readings Accurate meter readings help to ensure that we send you accurate bills, so you only pay for energy you have actually used. If we don t have an up-todate meter reading for your home, then you may be sent a bill based on our estimate of your energy consumption. Please note that: An estimated bill may mean you end up paying for more gas or electricity than you ve used, or; If we have under-estimated the amount of gas or electricity you ve used, you will face a bigger bill when your account is brought up to date the next time your meter is read. If you have a prepayment meter it is important that you top it up regularly, even during the summer months. This will ensure that the meter is set correctly and that we receive accurate readings. If the meter is not set correctly, you could build up a debt which you will have to repay. If you receive an estimated bill, please check your meter reading. Make a note of it and call us free on (lines open Monday to Friday 8am to 10pm, Saturday 8.30am to 6pm). Make sure you have a bill or statement with your account number on it when you call. Alternatively, you can give us your meter reading online, even if you are not an Online Energy Customer. Log on to: Online services are available 24 hours a day. When we have your new reading, we will send you an amended bill. It is especially important to call us if you have used more electricity or gas than shown on the estimated bill, otherwise you will receive a much bigger bill next time. We will always try to resolve any issue you have as quickly as possible. Remember, please call us right away if: You have received a bill which you are struggling to pay. You have received an estimated bill and can give us an actual reading. You don t agree with your electricity or gas bill.
7 Page 5 Section 4 How You Can Save Money on Your Energy Bills 4. How You Can Save Money on Your Energy Bills You could save money on your electricity and gas bills by changing the way you pay and by using energy more efficiently. Here s how: 1. If you take just one fuel from us, you could save money by taking Dual Fuel (gas and electricity). Please call freephone (lines open Monday to Friday 8am to 10pm, Saturday 8.30am to 6pm) for more information. 2. If you pay quarterly, by cash or cheque, you could save by switching to monthly Direct Debit. To pay by Direct Debit you need a suitable bank or building society account. Instead of paying small bills over the summer and large bills in winter, this payment method spreads estimated annual energy costs over 12 monthly payments, which could make it easier to budget. The payments are deducted automatically from your bank account. We regularly check the amount you are paying against your actual consumption, helping to ensure your monthly payments are keeping pace with the amount of electricity or gas you are using. Please call free on (lines open Monday to Friday 8am to 10pm, Saturday 8.30am to 6pm) for more information. 3. If you already pay by Direct Debit, you could make further savings by changing to our Online Energy Service. This is the cheapest way of managing your gas and electricity account. All you need to use the Online Energy Service is internet access and an address. Log on to: to find out more. 4. We re committed to offering customer choice and from time to time we launch new energy packages that could save you money. See our website for our latest product information:
8 Page 6 Section 5 Make Your Home More Energy Efficient 5. Make Your Home More Energy Efficient If you are not using your gas and electricity efficiently, then you could be throwing money away anything from a few pounds up to several hundred pounds a year. Energy efficiency is about reducing your energy use by avoiding waste and making the most of the energy you use around your home. Just a few simple changes could make a big difference to your fuel bills, with no loss of comfort for you or your family, so you get the same amount of warmth or light for less. Here are a few simple ways to save energy: No Cost Tips Draw your curtains after dusk to keep heat in and draughts out. This could save you about a year. Turn off the lights when you leave a room. Where possible, switch off your TV, hi-fi, computer or mobile phone charger when not in use. These items continue to use power if left on standby. Set the thermostat on your hot water cylinder to 60 C /140 F this is as hot as you should need. Turn the central heating thermostat down by 1. This could save up to 10% of the energy you use for heating and typically saves around 60 per year. If you have a programmer, set your heating and hot water to come on only when required rather than all the time. When you use your kettle, only boil as much water as you need (but remember to cover the elements if you re using an electric kettle).
9 Page 7 Section 5 Make Your Home More Energy Efficient If you have a microwave oven, use it as much as you can for cooking and reheating food it uses 70-90% less energy than your conventional oven. If you have a washing machine, use the 40 cycle instead of the 60 cycle, to save a third of the power you use on washing. If possible, fill the washing machine or dishwasher: one full load uses less energy than two half loads. A dripping hot water tap wastes energy and in one week wastes enough hot water to full half a bath, so fix leaking taps and make sure they re fully turned off. Source: Energy Savings Trust 2012, Low Cost Tips Replace some of your standard light bulbs with energy efficient ones. Energy efficient light bulbs last up to 10 times longer than ordinary bulbs, and using one could save you around 55 over the lifetime of the bulb. This saving could be around 120 over its lifetime if you re replacing a high wattage incandescent bulb, or one used for more than a few hours a day. Stop heat escaping and keep draughts out by using draught excluders at the bottom of doors and, if necessary, draught excluding tape around windows. Don t block any air vents though it is important to have enough ventilation. Fit a draught guard to your letter box to keep out winter breezes. Make sure your hot water cylinder has a thick insulating jacket (about 15 from DIY stores). This should pay for itself inside a year. Have your hot water pipes lagged to prevent heat loss. Source: Energy Savings Trust 2012, Other steps that cost more, but which could result in big savings on your energy bills are insulating your home properly to prevent heat loss and choosing energy efficient models when you are replacing household appliances. Household electrical goods, such as fridges, freezers and washing machines, are rated from A to G, according to the amount of power they use. A-rated products are the most energy efficient, making them much cheaper to run. This means you could make big savings over the lifetime of the product.
10 Page 8 Section 6 Where to Get Energy Efficiency Information & Advice 6. Where to Get Energy Efficiency Information & Advice General Advice Our qualified Energy Efficiency Advisers can give you general energy efficiency advice and tell you about grants that may available (for home insulation, for example). We can also offer customers a free, individual home energy efficiency audit. You provide us with details about your home and your energy use and we ll give you advice on how you could reduce your energy bills. Visit ScottishPower s website: or call our free Energy Efficiency Advice Line on: for more information (lines open Monday to Friday 8am to 4.45pm). The Government Energy Saving Advice Service which is operated by the Energy Saving Trust offers free impartial energy efficiency advice to householders on the take-up of energy efficiency measures. Log onto: or phone (lines open Monday to Friday 8am to 6pm, Saturday 9am to 5pm). Energy Saving Scotland Lines open Monday to Friday 8am to 8pm, Saturday 9am to 5pm. Funding & Grants ScottishPower delivers the national Carbon Emissions Reduction Target (CERT) under which we are given targets to make energy savings. We achieve this by helping our customers to use gas and electricity more efficiently and save energy. Under CERT, we provide grants to homeowners and people living in private rented properties towards the cost of installing cavity wall insulation and loft insulation. These measures may be available to you completely free if you receive certain means tested benefits. For further information please visit our website at:
11 Page 9 Section 6 Where to Get Energy Efficiency Information & Advice Grants available for eligible customers Government funded energy efficiency programmes provide a combination of energy efficiency advice and grants that can be used to fund energy efficiency improvements in your home. Funding may be available towards the costs of: Cavity wall insulation. Loft insulation. Hot and cold tank and pipe insulation. Draught-proofing. Repairing an existing heating system or funding a new system in some cases. To qualify for financial help under these programmes you need to meet certain eligibility criteria which is linked to age and/or receipt of certain benefits. If you live in Scotland, further information is available at or by calling the Energy Savings Trust free on Lines open Monday to Friday 8am to 8pm, Saturday 9am to 5pm. If you live in England, further information is available at or by calling Freephone Lines open Monday to Friday 8am to 6pm, Saturday 9am to 5pm. If you live in Wales, further information is available from: Nest Programme Innova One Tredegar Business Park Tredegar NP22 3EL Freephone: Lines open Monday to Friday 9am to 7pm.
12 Page 10 Section 6 Where to Get Energy Efficiency Information & Advice Warm Home Discount Support for Vulnerable Customers The Warm Home Discount is a programme of support aimed at households who are living in, or are at risk of, fuel poverty. The scheme was introduced by the Government on 1st April 2011 and will run for 4 years. Electricity suppliers will deliver the scheme and will primarily help qualifying customers by providing rebates on electricity accounts to help when bills may be higher over the winter period. Some customers will qualify automatically for a rebate and will receive a letter from the Department of Work and Pensions telling them this. Others can apply for the rebate if they meet certain eligibility criteria. In the second year of the scheme commencing on 1st April 2012 the rebate will be 130. The 130 rebate is inclusive of VAT so it will show on bills as before VAT is applied. Are you eligible for a Warm Home Discount rebate during 2012/13? If you were a ScottishPower domestic customer on 21st July 2012 (the qualifying date) and either: aged under 80 and receiving only the Guarantee Credit element of Pension Credit (no Savings Credit) or aged 80 or over and are receiving the Guarantee Credit element of Pension Credit (even if you get Savings Credit as well) You do not need to apply to receive the rebate as you will receive a letter from the Department of Work and Pensions during 2012 telling you that you qualify for the Warm Home Discount rebate and advising you what to do next. Under the scheme electricity suppliers can offer the Warm Home Discount rebate to other households providing certain eligibility criteria is met.
13 Page 11 Section 6 Where to Get Energy Efficiency Information & Advice If you are a ScottishPower domestic electricity customer and someone in your household meets the eligibility criteria that person can apply for the Warm Home Discount rebate. To qualify for the Warm Home Discount you must receive at least one of the following benefits: Income Support. Income Related Employment and Support Allowance. Income Based Jobseeker s Allowance. OR, if the following statement applies you may also qualify. Your total gross household income is less than 16,190. In addition to the above you must also meet at least one of the following criteria: Have a child who was under 5 on the 1st of April 2012 permanently living in the house (born on or after 1 April 2007). Have a child entitled to free school meals. Receive Child Tax Credit or Working Tax Credit which includes a disability element or severe disability element, disabled child element or severely disabled child element or family element. Income Related Benefit which includes a disabled child premium, disability premium, severe disability premium or enhances disability premium. Income Related Benefit which includes a Carers Premium. Employment Support Allowance which includes a Work Related or Activity Component or Support Component. Receive Disability Living Allowance, Incapacity Benefit or Attendance Allowance. Be aged 62 or over. Receives exemption from NHS prescription charges. If someone in your household meets the criteria above they can apply for a Warm Home Discount rebate at warmhomediscount. If you want help completing the form please call us free on between 8am and 5pm, Monday to Friday.
14 Page 12 Section 7 Getting Into Debt? What You Should Do 7. Getting Into Debt? What You Should Do If you are finding it difficult to pay your bill you should contact us straight away. Our staff are trained to try and help and will be sympathetic if you are having genuine difficulties. Steps You Can Take to Help Yourself: Always call us if you receive a bill that you can t manage to pay our staff will be sympathetic and will try to help you find a solution that suits both you and us. If you can t pay the bill in full, making a part payment towards it will help to reduce the debt, but to prevent further action you must contact us to agree future payments. Try to reduce your future energy bills by making your home more energy efficient you ll find some useful tips in this booklet and details of where to get further information. Do not ignore the problem tackling it now could help avoid debt building up.
15 Page 13 Section 7 Getting Into Debt? What You Should Do What We Can Do to Help Change your payment method to monthly Direct Debit to help spread your payments more evenly over the year. Install a prepayment meter in your home and set it to recover any money you owe in instalments that you can manage, while allowing you to pay for ongoing energy costs (See Prepayment Section, below). Agree an affordable payment plan with you, to pay off any money you owe. Give you free, impartial energy efficiency advice. Tell you, if you wish, where to go to get free advice on benefits you could be claiming (See Other Sources of Help and Advice, p16). Prepayment Meters Prepayment meters offer a convenient pay as you go way of managing your energy bills, which could help you budget for your energy alongside other household bills. It involves buying credit from a retail outlet or Post Office that is stored on a key or card, which is then inserted into a prepayment meter. Many customers find prepayment the easiest way to budget for gas and electricity. However, it does not qualify for the same discounts as some other packages, such as monthly Direct Debit or Online Energy. For further information on this option, call us free on: (lines open Monday to Friday 8am to 10pm, Saturday 8.30am to 6pm). Protected Service Scheme If you don t pay your energy bill because you are unable to manage your own affairs, you can join our Protected Service Scheme. This involves giving us the name of a relative, friend or social worker who will help you deal with your energy bills. Your bill will be posted out to the person you nominate and they will help you ensure that it is paid on time. We will update our records to include their details and contact the person you nominate if there are any difficulties with your account. Fuel Direct If you receive certain state benefits, such as Income Support or Job Seekers Allowance, you can apply to join the Direct Payments for Fuel scheme, known as Fuel Direct. To apply for this scheme you need to contact the Department for Work and Pensions (DWP) or your local benefits office. You ll find their number on letters they send you or see If you meet the DWP s requirements for Fuel Direct, they will contact us for details of your energy use to calculate the correct amount to pay each week. This sum, plus an amount to repay your debt is then deducted directly from your benefits.
16 Page 14 Section 8 Getting Into Debt? What We Will Do 8. Getting Into Debt? What We Will Do Please help us to help you by letting us know as early as possible if you have payment difficulties. If you haven t agreed a repayment arrangement with us and you haven t told us that there is a problem then we will take steps to recover the money you owe. The steps we may take if you don t contact us include: Sending regular bills and reminders. Contacting you by phone or visiting your home to arrange payment of the bill. We will take steps to avoid disconnecting your gas or electricity supply, including the installation of a prepayment meter however, if you do not communicate or co-operate with us, we will enforce, by law, our right to be paid for the energy we have provided you with. The steps we will take include: Referral to a debt collection agency. Court action. Registering a default against you with a Credit Reference Agency which may make it difficult for you to obtain future loans and mortgages. With permission of the courts, enter your property to fit a prepayment meter. If a prepayment meter cannot be fitted then we may disconnect your supply. Disconnection We will only ever disconnect a customer s electricity or gas supply as a last resort, after all other options have been explored. We are committed to and follow Energy UK s Safety Net, for vulnerable customers, which is designed to protect customers who are facing genuine financial hardship. Our field agents are fully trained to identify cases of extreme hardship and customers who may be classed as vulnerable. We will not disconnect customers energy supplies in these circumstances we will work hard to find a solution that benefits you and us. However, for customers who have the means to pay for their energy but refuse to do so, the disconnection process will be enforced.
17 Page 15 Section 8 Getting Into Debt? What We Will Do Meter Tampering You must never tamper with your meter or allow anyone else to do so. Meter interference is a criminal offence and can result in fire or electrocution, which can kill. Do not put yourself or your family at risk. If you think your meter has been interfered with, or you know someone who is interfering with their meter, please contact the ScottishPower Revenue Protection team see the back page for contact details.
18 Page 16 Section 9 Other Sources of Help and Advice 9. Other Sources of Help and Advice Even if you don t have a home computer, you can get access to all the websites listed here, and in the Energy Efficiency section of this booklet, at most public libraries. Debt Counselling and Money Management The organisations below offer free, confidential advice on money issues such as debt management, budgeting and maximising benefit income. ScottishPower works closely with Citizens Advice Bureau, which helps people resolve their legal, money and other problems by providing free information and advice. Citizens Advice Scotland Telephone: Lines open Monday to Friday 9am to 8pm, Saturday 10am to 2pm. Website: Citizens Advice England Telephone: Lines open Monday to Friday 9am 8pm, Saturday 10am to 2pm Website: Citizens Advice Wales Telephone: Website: National Debtline Telephone: Lines open Monday to Friday 9am to 9pm, Saturday 9.30am to 1pm. Website: Consumer Credit Telephone: Counselling Service Lines open Monday to Friday 8am to 8pm, Saturday 9am to 3pm. Wesbite: For some budgeting and money saving tips, visit: (in the money manuals section).
19 Page 17 Section 9 Other Sources of Help and Advice Home Heat Helpline ScottishPower supports the Home Heat Helpline, an independent telephone service, funded by the Great Britain s six largest energy suppliers, which can help people who are struggling to pay their energy bills or keep warm in winter. This free service is staffed by independent, trained advisors who can provide information and advice on keeping warm and using energy efficiently, as well as social tariffs, payment plan options and how those with special needs can become a Priority Service Customer. Call the Home Heat Helpline free on (minicom ). Lines are open between 9am and 8pm, Monday to Friday and 10am to 3pm on Saturdays. You can also access the service online at: Did You Know? We re helping to tackle fuel poverty through our charity, the ScottishPower Energy People Trust. The Trust gives grants to organisations and charities that work directly with people living in fuel poverty. For further information, just visit:
21 Page 19 Section 10 What to Do if We Get it Wrong 10. What to Do if We Get it Wrong We want to provide you with the best possible service at all times. But 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. Resolving Your Complaint Complaints Procedure Stage 1 When you tell us about your complaint, we will strive to resolve it straight away. And if you contact us by telephone, we will liaise with a Team Manager if necessary, to get you a satisfactory outcome. Most issues are resolved after investigation by us at this initial stage. Complaints Procedure Stage 2 If we can t resolve your complaint immediately, we ll give you a unique complaint reference number (please quote this whenever you contact us) and pass your complaint to a member of our Customer Care Team. This person will be your dedicated complaint handler. They will personally try to resolve your complaint within 10 working days, keeping you fully informed throughout. If they need more time to look into your complaint, they will agree this with you and keep you fully informed of progress every 10 working days (or at a time more suitable with yourself) until it is resolved. If you are unhappy with the way we are handling your complaint, please ask to speak to a manager, who will review your concerns and work with you to get you a satisfactory resolution. The vast majority of our complaints are closed at this stage, however in the unlikely event we cannot reach agreement, your complaint can be reviewed by our Customer Service Director s Support Team.
22 Page 20 Section 10 What to Do if We Get it Wrong Complaints Procedure Stage 3 To access this stage you must have completed stages 1 and 2 and have a complaint reference number. Please provide us with: Your complaint reference number Details of your complaint Your contact telephone numbers The best days and times for us to call you back The team will conduct a final review of your complaint aiming to reach a mutually acceptable agreement. If this can t be done, they will write to you explaining their position and providing a final offer to resolve your complaint. This is known as a deadlock letter. You can either choose to accept the final offer or ask the Energy Ombudsman to review your case. This free, independent body can suggest a variety of outcomes, including an apology, explanation, remedial action and, in appropriate circumstances, a financial award and their decision is binding on us. Should you elect to seek their assistance, please remember to quote your unique ScottishPower complaint reference number and inform them that you have received a deadlock letter. You can telephone the Energy Ombudsman on Lines open Monday to Friday 9am to 5pm. Website: Or write to them: Energy Ombudsman, PO Box 966, Warrington, WA4 9DF If you would like free, independent and impartial advice on a range of issues then contact Citizens Advice consumer service on Lines open Monday to Friday 9am to 5pm. Website:
24 If you would like more information about this charter contact our Customer Service team free on: ScottishPower Customer Services, Cathcart Business Park, Spean Street, Glasgow, G44 4BE SCP3737 NOVEMBER 2015
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RBBNBDHP Benefit Ref : Date of issue:... To :........ Application for a Discretionary Housing Payment Please return this form by post to: Harrogate Borough Council, Benefit Services, PO Box 787, Harrogate,
Household water charges, payment options and debt recovery code of practice This leaflet forms part of our Customer Code of Practice, which provides a guide to the services we provide for household customers.
Online Fixed Energy A Guaranteed Deal Online Fixed Price Energy July 2015 Offer Prices effective from 8th April 2014 Limited Offer subject to availability and may be withdrawn from sale at any time. Online
Welcome to your Pay As You Go Meter from BGE/RNG/PAYG/WP/11/11 G28328 BGE Gascard Pay As You Go Meter Eng V6 JJ.indd 1 24/10/2011 19:21 www.bordgaisenergy.ie If you need help or advice please contact us:
What happens if we have paid you too much tax credit? COP26 CODE OF PRACTICE Contents How we work out your tax credit 1 Adjusting awards during the year 2 Stopping awards 3 Finalising awards at the end
Our Customer Charter. www.lokaenergy.com Introduction Our commitment to provide the highest standards of customer service and understand the diverse needs of all our customers. Welcome to Loka We provide
Terms and Conditions May 2014 Co-operative Energy: General Terms and Conditions for Domestic Customers Only Applicable from 1st June 2014. Co-operative Energy Limited is a limited liability company registered
Good Energy Prepayment Meters Our code of practice 01 Contents 02 03 04 05 06 07 08 09 10 How to contact us Introduction In what circumstances can a prepayment meter be installed? How to use a prepayment
Chapter 8.. Disconnection for arrears This chapter covers: 1. When you can be disconnected for arrears (below) 2. Protection from disconnection (p120) 3. Preventing disconnection (p121) 4. At the point
A guide to Using your prepayment meter Take control of your energy costs Our prepayment service lets you pay-as-you-go for gas and electricity so you can keep control of your energy use and costs. This
Managing bills and bank accounts This information is an extract from the booklet Managing your money day to day, which is part of our Financial guidance series. You may find the full booklet helpful. We
A guide to RENT ARREARS An Information Booklet INTRODUCTION The importance of Regular Rent Payment Cadder Housing Assocation is responsible for the management and maintenance of approximately 650 properties.
Brentwood Borough Council and its partners offer a range of services to help residents and businesses who might be struggling to cope with the credit crunch. For business advice, please see the leaflet
Standard terms and conditions For small and medium enterprises (SMEs) including micro businesses. Effective from 31 March 2014 Helping our customers. We re on it. 1 Contents Section 1 Taking over premises
Linked HomeComfort Boiler Repair Cover Policy Terms and Conditions CONTENTS Important information 1 Definitions 1 What is covered and how to arrange a repair 2 What is not covered 3 Access to your home
Help yourself to get more money If you are struggling to make ends meet, there may be ways you can get more money or cut your bills. This leaflet gives you some ideas. For more information, see the list
UPDATED Benefit Changes XyxxYy The Government is cutting benefits. 1 in 7 people will be affected. Are you prepared? 1 XyxxYy ARE YOU PREPARED FOR UNIVERSAL CREDIT? Most people in Sheffield who currently
ScottishPower Gas and Electricity General Terms and Conditions for Domestic Customers Part 1 Glossary of important terms 2 1 The words listed below have the following meanings in these terms and conditions
Resources for Personal, Social and Health Education Activities on energy bills and energy use Contents Energy bills quiz Energy bills quiz answers Energy bill exercise Energy bill exercise answers Energy
Welfare Reform Make your budget work for you www.milton-keynes.gov.uk/welfare-reform Make your budget work for you Why budget It s always a good idea to keep track of your money. Budgeting is keeping track
Online Fixed Energy A Guaranteed Deal Online Fixed Price Energy March 2015 Offer WithFreedom Prices effective from 14th October 2013 Limited Offer subject to availability and may be withdrawn from sale
Adequate Explanations CCTA PLA 10.14 H&T Pawnbrokers are required by law to provide you with the following information in order for you to decide if the loan is suitable for your needs and to highlight
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
Bright Ideas Helping you save energy and money Saving energy is easier than you think When you save energy, you save money and you help the environment. This guide provides practical ways to help you reduce
We want to know what you think Please tell us what you think about npower. We have asked Ipsos MORI, a leading independent research company, to help us collect feedback to improve the services we provide.
Factsheet 1 September 2015 About this factsheet This factsheet provides information about how to make your home energy efficient and about financial assistance that may be available to help you pay fuel
Options for dealing with debt This factsheet explains what you can do if you cannot afford your debts. It gives an overview of the options that you may have, but is not a suitable alternative to speaking
ABOUT US DEBT GUIDANCE DEBT GUIDANCE getting your finances back on track Hafod is a housing association registered with the Welsh Assembly Government. We are a non-profit making organisation and operate
At First Utility we strive to deliver a smarter energy service at a great price. We recognise, however, that we do not always get it right. In the event that you have a complaint about our service, you
GEDLING BOROUGH COUNCIL A Fair Collection and Debt Recovery Policy GET IN TOUCH, NOT IN DEBT A Handbook for: Gedling Borough Council Staff and Members Local Advice Workers The Council s Collection Agents
Dealing with debt finding your feet Advice for you if you are in debt Help yourself deal with your debt Even though it may seem that there is little you can do to help yourself, in fact there is more than
Gas and electricity supply terms and conditions These are our terms and conditions for supplying gas or electricity (or both) to your property. They form part of the contract between us British Gas and
Are you worried about your mortgage? Get advice now If you are struggling to pay your mortgage, act now to stop your situation becoming worse Funded by the Northern Ireland Executive, delivered through
Code of Practice on payment and debt recovery southwestwater.co.uk This Code of Practice applies to domestic customers only. This Code is one of a number of Codes of Practice which have been approved by