Switch Energy Supplier with Debt

Worried about switching energy supplier with debt? We’re here to help.

• Know your rights if you owe money to your supplier.
• Check which tariffs you can switch to, even if you use prepayment meters.
• Discover repayment options that fit your budget.
• Get advice regulated by Ofgem and trusted comparisons of suppliers.

Since 2013, over 514,000 homes in the UK have used Free Price Compare to look at energy costs.

Can You Switch Energy Supplier with Debt?

Yes, in many situations, you can change your energy supplier, even if you owe money. The rules vary based on the type of meter you have, how much you owe, and how long the debt has been there.

Ofgem is the UK’s energy regulator. It has clear rules to help protect energy customers. This includes support for those in energy arrears.

Ofgem Switching Rules at a Glance:

Tip: Check your electricity bills or get in touch with your current supplier. This will help you find out how much energy you’ve used and what choices you have.

What should I do if I have energy debt and need to switch suppliers?

If you have energy debt and want to switch suppliers, start by checking if you can do it. Look at your meter type and how much you owe. You might be able to switch suppliers through Ofgem’s Debt Assignment Protocol. You can also consider setting up a repayment plan.

How to Switch Energy Supplier When You’re in Debt

You can switch providers, even if you have a debt. However, how you do this will depend on the type of meter you have and how old the debt is.

Step-by-Step Guide:

1. Check your meter type
   Is it credit or prepayment? This will affect what you can do.
2. Review your outstanding balance
   Look at your recent electricity bills or statements to see how much you owe.
3. Compare energy prices
   Enter your postcode to find if there’s a cheaper or better-flexible plan. Some suppliers offer financial support.
4. Apply online — no paperwork
   Your new supplier might give you a better deal. They could also help you with a repayment plan or the Debt Assignment Protocol.
5. Speak to your current supplier (if needed)
   They must tell you your rights. You may be able to ask about a lump sum payment, switch to prepayment, or join the Fuel Direct scheme with your benefits payment.

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How to Switch Energy Supplier When You’re in Debt

You can switch even if you have a debt. However, the process will depend on the type of meter you have and how old the debt is.

Step-by-Step Guide:

1. Check your meter type
   Is it credit or prepayment? This can change if you qualify.
2. Review your outstanding balance
   Look at your recent electricity bills or statements to see how much you owe.
3. Compare energy prices
   Enter your postcode to find a cheaper or better plan. This includes options from suppliers that provide financial support.
4. Apply online — no paperwork
   Your new supplier might give you a better deal and help you with a repayment plan or the Debt Assignment Protocol.
5. Speak to your current supplier (if needed)
   They must explain your rights. You might be able to talk about a lump sum payment, switch to prepayment, or join the Fuel Direct scheme through your benefits payment.

Stable budgeting once debt is settled

Support Schemes to Know About:

• Debt Assignment Protocol (DAP): You can switch up to £500 of debt per fuel if you use a prepayment meter.
• Fuel Direct Scheme: Energy debt can be paid directly from your benefits payment through the DWP.
• Warm Home Discount: A £150 energy rebate is available for homes that qualify.
• Energy Supplier Hardship Funds: This help comes from providers like the Next Energy Fund, OVO Energy Fund, or Scottish Power Hardship Fund.
• Priority Services Register: You can get free extra help if you have physical health or mental health issues, or other special needs.
• Citizens Advice Consumer Service: They provide free debt advice and support in understanding your rights.

Energy debt is seen as a priority debt. When you manage it properly, it can help you keep up with other household bills and regular living costs.

Compare Energy Suppliers for Customers in Debt

Correct as of 2 May 2025

FAQs About Switching Energy Supplier with Debt