Gas and Lekkie

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kallis3

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Post by kallis3 » Sat Aug 14, 2010 7:42 pm
If you have the £500 threshold for a windfall I would think you would be ok.

Just to be on the safeside though, run it past your IP.
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Shining

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Post by Shining » Sat Aug 14, 2010 7:44 pm
I did try to answer your post liverpig, directly below your post before we digressed x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

martgoingmad

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Post by martgoingmad » Thu Aug 19, 2010 11:59 am
Hello all,

Just found this post, trying to catch up.

Even if the firm paid it back to you, surely it is not a "windfall" as you paid it out in the 1st place so they are just giving back what they have already taken?

My company keep it in reserve for the Winter months and it's worked out really well, after I contacte dthem to say they were charging me to much!!

Martyn
To err is human. To teach 16-21 year olds is just damn crazy!!!
IVA Started October 2009.
33 months down - 27 to go
 
 

600andy

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Post by 600andy » Wed Jan 26, 2011 12:56 pm
Mine is the same. All utility direct debit plans work the same way. You pay a fixed Monthly cost which is based on your estimated total annual consumption divided by 12. It already takes into account that you will use less in the Summer and more in the Winter, so its not a windfall, its actually budgeting - it all balances out in the end.
 
 

kallis3

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Post by kallis3 » Wed Jan 26, 2011 2:52 pm
You may be ok, although some IPs might want to see any savings paid across to the creditors depending upon how much they were.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

andrea1968

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Post by andrea1968 » Tue Feb 15, 2011 7:19 pm
sorry to bring up an old post
Phoned British Gas today to give meter readings and check that my application to go on the fixed rate deal til 2012 had been approved-it had.
Anyhow adviser informed me that gas and lekkie could possibly rise by 25% this year-so if anyone feels the need to get their rates fixed-do it quick!!!!!
full and final accepted January 2015

iva agreed; August 2010
iva would have completed; August 2017
extra year thank's to NRAM
 
 

Skippy

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Post by Skippy » Tue Feb 15, 2011 7:27 pm
We're on a fixed rate with British Gas at the moment but it runs out in September so we'll probably be hit with the rise! We're going to have a look at changing now, even though it will cost us £100 to change the tariff - it'll be worth it if it does go up.
 
 

andrea1968

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Post by andrea1968 » Tue Feb 15, 2011 7:41 pm
skippy-they let us off with the fee as we had only been on websaver 10 for about 6 months - have a word with them !!!
full and final accepted January 2015

iva agreed; August 2010
iva would have completed; August 2017
extra year thank's to NRAM
 
 

kallis3

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Post by kallis3 » Tue Feb 15, 2011 7:43 pm
Something I have never done is fixed our utilities tariff.

We're with Atlantic for both and find them very competitive.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

Skippy

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Post by Skippy » Tue Feb 15, 2011 7:47 pm
I prefer to have everything fixed. With Dave being self employed and his money being different each month I like to know exactly what we've got to find each month.
 
 

kallis3

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Post by kallis3 » Tue Feb 15, 2011 7:50 pm
I suppose it is a help. My payments have remained the same since I moved to them, I suppose I've been lucky in that regard.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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