A GUIDE TO PREPAYMENT METERS. What's in this guide? Meter reads. What are prepayment meters? Home moves

Size: px
Start display at page:

Download "A GUIDE TO PREPAYMENT METERS. What's in this guide? Meter reads. What are prepayment meters? Home moves"

Transcription

1 A GUIDE TO PREPAYMENT METERS What's in this guide? What are prepayment meters? Getting a prepayment meter installed Your Green Star Energy key or card How to read your meter Emergency credit Meter reads Home moves Changing to a credit meter What to do if there is a problem How to contact us Repaying your debt

2 WHAT ARE PREPAYMENT METERS? Prepayment meters, otherwise known as electricity key meters or gas electronic tokens, let you buy credit for your gas and electricity in advance from a local retail outlet. You use the credit you have bought to top up your meter s credit levels. This means you can: Pay as you go for your gas and electric, as and when you need to; Always be in control of your energy costs, as long as you stay in credit; Keep track of exactly how much energy you ve used; and Pay back money you owe us more easily over a period of time. Prepayment meter charges are made up of: A charge for each unit of gas or electricity you use; A fixed standing charge that you pay every day you re connected, even if you re not using energy; and A charge for any outstanding debt you may need to clear.

3 GETTING A PREPAYMENT METER INSTALLED If you don t already have a prepayment meter, you can have one installed by requesting one or we may install one to help you manage paying back any money you owe us. If we agree to install a prepayment meter, we will: Let you know the date and time that we intend to install your new meter; Contact you to let you know how much debt we have set on the meter if you owe us money; Provide you with information on how to use your meter (this guide and on our website); Make it clear how much we will charge you for energy (unit rates and standing charges); and Give you our contact details in case you need help. As soon as your prepayment meter is installed, we will send you a Green Star Energy electric key or gas card to your address within 3-4 working days. Green Star Energy electric key Green Star Energy gas card

4 YOUR GREEN STAR ENERGY KEY OR CARD 1. FIRST USE When you receive your electricity key or gas card, you must activate your new key or card by placing it into your meter for at least 60 seconds. This will ensure you will be charged at the correct unit rates and standing charge, also you won t be able to top up unless the card is activated first. 2. TOPPING UP Once you ve activated your electricity key or gas card, you can buy credit at PayPoint and Payzone outlets or at the Post Office to top up your meter. Only top up at an authorised outlet and never buy credit from anyone visiting your home or else you may end up having to pay twice. You can check online for your nearest outlet: The credit you buy will be added to your Green Star Energy key or card You can top up a minimum of 1 up to 49 on your card at a time, in whole pounds You can have up to 250 credit on your gas meter, and 250 credit on your electricity meter REMINDER: Top up your meter If you don t, your energy supply will stop when your credit runs out and your emergency credit is used up. You ll still accumulate any standing charge while your supply is off which you ll pay once your meter is back on supply.

5 3. HOW TO TRANSFER YOUR CREDIT TO YOUR METER Gas meters Simply insert your payment card into the slot in the meter and press the Red Button A to transfer your credit to your meter. If your meter display says OFF, you might need to open the safety valve to get your gas back on. The valve will close for safety reasons when your meter runs out of credit. 1. Make sure all your gas appliances are switched off. 2. Insert your card into your meter. 3. Press and hold the Red Button A. 4. You ll hear a beep. The safety valve will open and the meter display will change to ON. Your gas supply will now be back on and your credit will be on the meter. Electricity meters Insert your payment key into your meter. The screen will briefly show the amount of credit on your key. To make sure your credit is transferred onto your meter successfully, we recommend you leave your key in for at least 5 seconds. WARNING: Only use the Green Star Energy key or card If you have changed supplier, you may have your old supplier s key or card. We advise you to discard these in the recycle bin once your credit balance is nearly used and then switch to using the Green Star Energy key or card. If you don t do this and continue to use the old supplier s key and card, your energy will not be charged at Green Star Energy s tariffs and it may cost you more.

6 HOW TO READ YOUR METER Electricity meter Key meters have different displays to show you the settings and readings on the meter. The illustration below is an example of a typical one rate meter. Click on the Blue Button to scroll through the screens Key slot key is inserted to add top up credit, select emergency credit and to view debt screens The meter serial number is displayed under the bar code Click on the Blue Button to scroll through the screens below: Screen Display A B E F G H I J K Total current credit How much the meter requires to repay emergency credit (this screen is only displayed if the emergency credit has been used) Total amount of credit that has been put on the meter to date Standing charge amount per week Total meter reading (Kilowatts) Rate one meter reading (Kilowatts) Pence per unit cost for rate 1 (including VAT) Rate two meter reading (Kilowatts) applies to 2 rate meter only Pence per unit cost for rate 2 Night rate (including VAT) To view the below screens the key has to be inserted in the meter: R S T Emergency credit limit Total amount of debt the customer owes Total amount the meter will collect for debt for each week

7 GETTING A PREPAYMENT METER INSTALLED Gas Meter The illustration below is an example of a typical gas meter. The meter serial number is displayed above the bar code Click button A to scroll through the screens Card slot Card is inserted to add top up credit, emergency credit and view debt screens Click on the A Button to scroll through the screens below: Screen Display 00 How much credit you put on your meter on the last top up 01 Last amount of purchased credit used to pay for your debt 02 Last amount of purchased credit used to repay for emergency credit 03 Last amount allocated for gas use 17 Daily standing charge (taken weekly on Wednesday) 21 Amount of Credit available before you are offered emergency credit 22 Amount of emergency credit available to you To view the below screens the card has to be inserted in the meter: 25 Minimum weekly repayment rate you will be charged if you owe us money 26 Maximum weekly repayment rate you will be charged if you owe us money 27 Current total outstanding debt

8 EMERGENCY CREDIT Our prepayment meters are set up to always have 5 worth of Emergency Credit available to you if you can t top up for any reason. You ll need to repay this in full before your Emergency Credit is available to you again. To activate Emergency Credit: Electricity meters Gas meters Take out your key when your meter beeps to warn you that you have less than 3 credit left and re-insert it again. This will activate 5 Emergency Credit. Take out your card when the meter beeps to warn you that you have less than 3 credit left and insert it again. You then have to press the Red Button A to activate the 5 Emergency Credit. REMINDER: Pay back Emergency Credit If you have used your Emergency Credit, when you next top up you must add enough credit to pay back the emergency credit you owe, plus any standing charge you will have accumulated and your weekly debt repayment amount (if you owe us money).

9 REPAYING YOUR DEBT If you owe us money for unpaid bills, we ll agree a weekly repayment amount that you ll pay back to us until your debt is cleared. How it works Electricity meter Your meter will deduct a daily amount for debt you owe us. For example, if you owe us 7 per week, the meter will deduct 1 per day from the credit on your meter. You must top up with enough credit to cover your weekly repayment amount plus your energy use, every week. Gas meter Your meter will deduct a weekly amount for any debt you owe us. For example, if you owe us 7 per week and have topped up 10 during the week, the meter will deduct 7 from your credit at the start of each Wednesday. If you topped up with less than your weekly repayment amount, the meter will take 70% of your credit to pay your debt and leave 30% for energy use. What if I don t top up and miss a weekly payment? Electricity meter Your meter will build up any debt you missed that week and you ll need to pay it back. Once you ve run out of credit on your meter, your supply will disconnect and you ll need to add enough credit on your next top up to clear the accumulated debt in order to get your supply back on. Gas meter When your meter detects that no top up has been made for the past week, it will deduct one seventh of the weekly repayment amount on each consecutive night for the payment you missed the previous week. For example, if you owed us 7 last week, the meter will deduct 1 for the next seven nights from your credit balance until the full weekly repayment amount has been paid. If you don t have enough credit balance for the meter to deduct one seventh of your weekly repayment amount, the meter will build up the debt and will deduct a higher amount when you do add enough credit to your meter. REMINDER: Repaying debt Remember to top up each week with enough credit to pay back your repayment amount and your energy use. If you don t, the debt you owe will build up on your meter and the meter will deduct this from your meter s credit at a higher rate.

10 METER READS One of the benefits of having a prepayment meter is that you don t have to submit meter readings to us. We are automatically sent your meter readings every time you top up at an authorised outlet. HOME MOVES If you are moving out of your current home, we will need you to provide the following information: Your move date and your meter readings on that move date Your forwarding address in case we need to contact you You may want to leave your key or card behind for the next occupier to use REMINDER: Check your credit Make sure you have just enough credit on your meter up until your move date. If you have credit left over after your move date this will remain on the meter and cannot be transferred or refunded. If you are moving in to a property that already has a prepayment meter fitted, please let us know. We can provide you with supply, provide a key or card for you to use and clear the meter of any debt for you.

11 CHANGING TO A CREDIT METER Paying for energy via prepayment meter always puts you onto a variable tariff, which can be more expensive than our other credit meter tariffs as they may have better rates or discounts for paying by Direct Debit. We can change your prepayment meter to a credit meter if you have had no debt on your prepayment meter for a minimum of 12 months and you agree to pay a fee for the installation of the meter. You may need to get consent from your landlord if you are not the homeowner. What happens if we agree to install a credit meter? We ll let you know the date and time when we will come and install the meter Initially, you ll be charged on our Standard Variable Tariff from the date of the meter exchange, however you will be encouraged to switch to one of our cheaper fixed term tariffs We ll send you a pack containing your new account details and options to switch to other tariffs

12 WHAT TO DO IF YOU HAVE A PROBLEM I ve lost or damaged my key or card If you ve lost or damaged your electricity key, please call us and we will give you a special code that you can take to your nearest outlet after an hour of you calling us. The shop will then provide you with a replacement key that you will need to activate at your meter before returning to the outlet to top up. If you ve lost or damaged your gas card, please call us, we will arrange for a card to be sent to you by post, which should arrive within 3-5 working days. My top up is not showing on the meter If the payment is not showing, check: Is the card clean? Did you use the emergency credit and need to cover the 5 shortfall or any standing charges that have built up? Is there debt on your meter? Is there is an error code? If you are still experiencing problems, please contact us. I ve lost supply If your electric or gas supply goes off, first check the screen on your meter. If the meter is ON and there s credit on the meter but you have no supply to your electric or gas appliances, you should contact the National Gas Emergency Service immediately on for gas. For electricity you should contact your local electricity distribution company, take the time now to locate their contact details by searching online.

13 My meter is showing an error code If your meter is showing an error code or a blank display, please following the instructions below: Gas meter error codes Display What it means What you should do Card/card fail Card/card not recognised 04, 28, 35, 38 Card not accepted and M***** (M & 5 stars) Or Card not accepted and M (M & 5 dashes) Blank display Battery low Battery fail Dashes appear on the screen Please wait There may be dust on your card, or you ve put it in the slot the wrong way round The card isn t accepted by your meter Your meter has a screen saver which will make the screen go blank when not in use to save your battery power Your battery is running low and will soon need to be replaced You are using emergency credit too much Your meter has develop a fault The meter is having trouble reading the card Clean the card with a dry cloth and try again Do not use any cleaning products. Blow into the card slot on the meter Try inserting the card, taking it out again and reinserting the card a few times Check that the card is inserted the correct way round If this does not work, please contact us for a new gas card Make sure that you re using the correct card, that it s clean and try again If your card is not accepted, please contact us for a new card Insert your card into the meter and press the red button A to reactivate the screen If your screen does not reactive, please contact us Please contact us, we need to arrange for an engineer to visit you Please contact us, we need to arrange for an engineer to visit you Please contact us, we need to arrange for an engineer to visit you Remove the card and wait 2-3 minutes be reinserting If the meter cannot read the card after reinserting it, please call us for a new gas card

14 WHAT TO DO IF YOU HAVE A PROBLEM Electric meter error codes Display What it means What you should do Error D1 Your meter is unable to read the information on your key and therefore cannot transfer credit from the key to the meter Check your key is inserted Clean with a dry cloth and try again Do not use any cleaning products Blow in the key slot on the meter Try inserting the key, taking it out again and reinserting the key a few times Check that the key is inserted the correct way round If this does not work, please contact us for a new key Error D2 Error 10, A4, B4 or D4 Error 6, B6, D6 Blank display Your meter can t read the information on your key so can t transfer the credit onto your meter Your key is programmed with the wrong meter serial number (MSN) This may have happened if you have had your meter changed A duplicate key has been inserted into the meter you may have inserted your old key from a previous supplier Your meter display is blank. Sleep mode saves battery power. Try putting the key into your meter again. If this doesn t work you ll need a new key Contact us with a note of your meter serial number (MSN), this is typically found on the left hand side of your meter about half way down. The MSN contains 9 characters Please also provide us with the following details which can be found on a label attached to your meter: Date of exchange The meter reading at date the old meter was removed The meter reading at the date the new meter was installed We will need to provide you with a new key. Check if you have more than one key. You should only use the Green Star Energy key in the meter If you have tried your Green Star Energy key and it still will not work, please contact us Insert your key into the meter and press the blue button to reactivate the screen. Hold the button down for 2-3 minutes. If your screen does not reactivate, contact us.

15 FIND OUT MORE More information on our prepayment meters and Pay As You Go tariff, including frequently asked questions, can be found on the Green Star Energy website. Please visit HOW TO CONTACT US Our opening hours are Monday to Friday, 8am-8pm, and Saturday, 8am 6pm. Please note that outside our usual opening hours of 8am to 6pm, Monday to Friday, telephone lines for prepayment meters that are off supply will be operated by Lowri Beck. Call us on * or * from your mobile us at * Calls may be recorded and/or monitored for quality assurance and compliance purposes. THANK YOU FOR CHOOSING GREEN STAR ENERGY.

Prepayment Meters all you need to know

Prepayment Meters all you need to know Prepayment Meters all you need to know What you'll find in this guide What are prepayment meters? Setting up your meter Topping up Electricity and gas meters Your electricity meter screens Your gas meter

More information

ENGIE Prepayment. A Guide to your prepayment meter

ENGIE Prepayment. A Guide to your prepayment meter ENGIE Prepayment A Guide to your prepayment meter 1 An introduction to prepayment Welcome to prepayment from all of us here at ENGIE. This guide is here to give you lots of information about prepayment

More information

A guide to. Using your prepayment meter

A guide to. Using your prepayment meter 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

More information

Pay As You Go Meter Statement

Pay As You Go Meter Statement Pay As You Go Meter Statement A Pay As You Go meter (or Prepayment meter) A meter that lets you pay for your electricity and gas in advance. You can buy credit at hundreds of Post Office branches or PayPoint

More information

A guide to. Using your prepayment meter

A guide to. Using your prepayment meter 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

More information

More control, less surprises

More control, less surprises More control, less surprises Your handy guide to using your pay as you go electricity meter Pay as you go. Take control. Having a pay as you go meter is a great way to help you budget and keep on top of

More information

Code of Practice on Pay As You Go Metering and Budget Controllers

Code of Practice on Pay As You Go Metering and Budget Controllers COPOPAYGM1018 Code of Practice on Pay As You Go Metering and Budget Controllers electricireland.ie Smarter Living This Code of Practice outlines services provided for Pay As You Go meter and Budget Controller

More information

Code of Practice on Pay As You Go Metering

Code of Practice on Pay As You Go Metering COPOPAYGM0918 Residential Code of Practice on Pay As You Go Metering electricireland.ie Smarter Living This Code of Practice outlines services provided for Pay As You Go meter customers by Electric Ireland

More information

Services for prepayment customers

Services for prepayment customers Services for prepayment customers A prepayment meter allows you to pay for your electricity and gas before you use it. Here you can find out the pros and cons of paying in this way, how the meters work

More information

YOUR PAY-AS-YOU-GO GAS METER GUIDE

YOUR PAY-AS-YOU-GO GAS METER GUIDE YOUR PAY-AS-YOU-GO GAS METER GUIDE Here at Flogas Natural Gas we know how important it is to assist our customers in finding the correct solution to manage their natural gas account. Your new Pay-As-You-Go

More information

HomeEnergy collective Jun 2019

HomeEnergy collective Jun 2019 HomeEnergy collective Jun 2019 Tariff terms and conditions About your tariff HomeEnergy Collective Jun 2019 prices are fixed until 30 th June 2019. You ll pay a daily standing charge and unit rate for

More information

HomeEnergy Exclusive Mar 2019

HomeEnergy Exclusive Mar 2019 HomeEnergy Exclusive Mar 2019 Tariff terms and conditions About your tariff HomeEnergy Exclusive Mar 2019 prices are fixed until 31 st March 2019. You ll pay a daily standing charge and a unit rate for

More information

Your account charges explained

Your account charges explained Your account charges explained 2 Contents Our Business Banking current accounts 2 Our accounts for not-for-profit organisations 2 Our general accounts in more detail 3 Our 5 Fixed Fee account plans 3 Day-to-day

More information

Warehouse Money Visa Card Terms and Conditions

Warehouse Money Visa Card Terms and Conditions Warehouse Money Visa Card Terms and Conditions 1 01 Contents 1. About these terms 6 2. How to read this document 6 3. Managing your account online 6 4. Managing your account online things you need to

More information

Code of Practice. Services. for pre-payment customers

Code of Practice. Services. for pre-payment customers Services for pre-payment customers Contents 2 Introduction 2 When will a prepayment meter be installed in your home? 3 How to use your prepayment meter 3 Where to make payments 3 What happens if the machine

More information

Paying for your business banking needn t be complicated. That s why our Fixed Fee Account gives you greater control over the charges you pay.

Paying for your business banking needn t be complicated. That s why our Fixed Fee Account gives you greater control over the charges you pay. Fixed Fee Account Paying for your business banking needn t be complicated. That s why our Fixed Fee Account gives you greater control over the charges you pay. Choose the account plan that best suits your

More information

Domestic Terms & Conditions

Domestic Terms & Conditions Domestic Terms & Conditions Version 2.0 19 December 2018 Pg 01 Contents 01 Summary of Principle Terms 02 Defined Terms 03 Section 1 This Contract 04 Section 2 Deemed Contract 05 Section 3 Contract Acceptance

More information

ISLAMIC BUSINESS ACCOUNT CHARGES. Your account charges explained

ISLAMIC BUSINESS ACCOUNT CHARGES. Your account charges explained ISLAMIC BUSINESS ACCOUNT CHARGES Your account charges explained Contents Introduction 3 Introductory offer 3 When your free banking ends 3 Help with queries 3 Keeping your charges low 4 Statements 4 Balance

More information

Porting Application Guide

Porting Application Guide NFI ONLINE Porting Application Guide For intermediary use only This guide will assist you with keying a Porting application on NFI Online and producing a KFI. Note: The following Porting Application Types

More information

Your account charges explained COMMERCIAL BANKING

Your account charges explained COMMERCIAL BANKING Your account charges explained COMMERCIAL BANKING Contents Help with queries 2 Keeping your charges low 2 Electronic Business Tariff 4 Business Extra Tariff 4 Other service charges for all tariffs 8 Business

More information

BLUE+FIXED PREPAY TARIFF FEATURES AND BENEFITS

BLUE+FIXED PREPAY TARIFF FEATURES AND BENEFITS BLUE+FIXED PREPAY TARIFF FEATURES AND BENEFITS Thanks for choosing Blue+Fixed Prepay we think you ve made a great choice. It s really important for us to stand out from our competitors and do the right

More information

Scheme Management System User guide

Scheme Management System User guide Scheme Management System User guide 20-09-2016 1. GETTING STARTED 1.1 - accessing the scheme management system 1.2 converting my Excel file to CSV format 2. ADDING EMPLOYEES TO MY PENSION SCHEME 2.1 Options

More information

ACCOUNT CHARGES. Your account charges explained

ACCOUNT CHARGES. Your account charges explained ACCOUNT CHARGES Your account charges explained March 2014 Account charges To put your business in greater control we d like to fully explain your business banking fees. Here we ll outline how our charges

More information

Your account charges explained.

Your account charges explained. Your account charges explained. To ensure you have everything you need to know about our charges, this brochure has been designed to let you know when and how they will be applied. The charges and tariffs

More information

Your account charges explained COMMERCIAL BANKING

Your account charges explained COMMERCIAL BANKING Your account charges explained COMMERCIAL BANKING To ensure you have everything you need to know about our charges, this brochure has been designed to let you know when and how they will be applied. The

More information

ACCOUNT CHARGES. Your account charges explained

ACCOUNT CHARGES. Your account charges explained ACCOUNT CHARGES Your account charges explained June 2018 Account charges To put your business in greater control we d like to fully explain your business banking fees. Here we ll outline how our charges

More information

Services for prepayment customers

Services for prepayment customers Services for prepayment customers Introduction A prepayment meter allows you to pay for your gas and electricity as you use it and, if you need to, pay off outstanding debt at an agreed weekly rate taken

More information

User guide for employers not using our system for assessment

User guide for employers not using our system for assessment For scheme administrators User guide for employers not using our system for assessment Workplace pensions CONTENTS Welcome... 6 Getting started... 8 The dashboard... 9 Import data... 10 How to import a

More information

Agents provide services on our behalf. Service providers provide services to us.

Agents provide services on our behalf. Service providers provide services to us. Standard terms for supplying electricity and gas to domestic customers Glossary agents and service providers Agents provide services on our behalf. Service providers provide services to us. central charge

More information

ACCOUNT CHARGES. Your account charges explained

ACCOUNT CHARGES. Your account charges explained ACCOUNT CHARGES Your account charges explained March 2018 Account charges To put your business in greater control we d like to fully explain your business banking fees. Here we ll outline how our charges

More information

HomeEnergy Tracker Sep 2019

HomeEnergy Tracker Sep 2019 HomeEnergy Tracker Sep 2019 Tariff terms and conditions About your tariff HomeEnergy Tracker Sep 2019 ends on the 30 th September 2019. You ll pay a daily standing charge and unit rate for each fuel on

More information

ACCOUNT CHARGES. Your account charges explained

ACCOUNT CHARGES. Your account charges explained ACCOUNT CHARGES Your account charges explained June 2017 Account charges To put your business in greater control we d like to fully explain your business banking fees. Here we ll outline how our charges

More information

the contract under which we supply Energy to the Premises and includes a Deemed Contract unless otherwise specified

the contract under which we supply Energy to the Premises and includes a Deemed Contract unless otherwise specified Terms and conditions These are our latest terms and conditions, version v0.2. Octopus Energy Limited - General Terms & Conditions for Domestic Customers Definitions "Address" "Application" "Consent Request"

More information

Simplicity Energy Ltd Terms and Conditions. 2. When our energy supply to you begins

Simplicity Energy Ltd Terms and Conditions. 2. When our energy supply to you begins Simplicity Energy Ltd Terms and Conditions Last updated 29/03/2018 1. When our Agreement begins 1.1. Our Agreement together begins from when we agree to become responsible for your supply, or when you

More information

Code of practice for accurate bills

Code of practice for accurate bills Code of practice for accurate bills Back-billing scenarios for domestic customers June 2017 Contents Background guidance 3 Section 1 Common scenarios where back billing may apply 5 Section 2 Does back

More information

Managing your monthly charges

Managing your monthly charges MONTHLY PRICEPLAN Managing your monthly charges To put your business in greater control we d like to fully explain your business banking fees With our Monthly PricePlan you can choose a PricePlan that

More information

Flexible Home Loan. This document sets out your facility s terms and conditions. Some key information about your facility. Terms and Conditions

Flexible Home Loan. This document sets out your facility s terms and conditions. Some key information about your facility. Terms and Conditions Flexible Home Loan Terms and Conditions This document sets out your facility s terms and conditions In this document we ve explained the terms and conditions applying to your ANZ Flexible Home Loan. It

More information

Welcome to your Fixed Price Energy January 2018 tariff

Welcome to your Fixed Price Energy January 2018 tariff Welcome to your Fixed Price Energy January 2018 tariff includes Linked HomeComfort Premium Care* *Care is provided subject to the enclosed Terms and Conditions Fixed Price Energy January 2018 is subject

More information

SMART SAVER TARIFF FEATURES AND BENEFITS IMPORTANT INFORMATION (KEY TERMS) DIRECT DEBIT RULES

SMART SAVER TARIFF FEATURES AND BENEFITS IMPORTANT INFORMATION (KEY TERMS) DIRECT DEBIT RULES SMART SAVER TARIFF FEATURES AND BENEFITS Thanks for choosing Smart Saver. Manage your account on line by registering for MyAccount and receive your bills electronically. IMPORTANT INFORMATION (KEY TERMS)

More information

product guide. This is an important document. Please keep it safe for future reference. Legal & General select portfolio bond

product guide. This is an important document. Please keep it safe for future reference. Legal & General select portfolio bond SELECT PORTFOLIO BOND (WEALTH MANAGERS) product guide. This is an important document. Please keep it safe for future reference. Legal & General select portfolio bond 2 SELECT PORTFOLIO BOND (wealth managers)

More information

Energy+BoilerCare TARIFF FEATURES AND BENEFITS IMPORTANT INFORMATION (KEY TERMS) DIRECT DEBIT RULES

Energy+BoilerCare TARIFF FEATURES AND BENEFITS IMPORTANT INFORMATION (KEY TERMS) DIRECT DEBIT RULES Energy+BoilerCare TARIFF FEATURES AND BENEFITS Thanks for choosing Energy+BoilerCare we think you ve made a great choice. Save Money 6 months boiler and heating cover on us, saving you 69 off our annual

More information

Further information about your mortgage

Further information about your mortgage Further information about your mortgage This booklet explains how we now manage your mortgage. It also explains how we managed your account before we made changes. The booklet does not set out to explain

More information

FAQ. Jump to. How does one Finch? Signing Up. Pay and Request. Tabs. Bank Transfers. Bank Account and Cards. Account Settings and Security

FAQ. Jump to. How does one Finch? Signing Up. Pay and Request. Tabs. Bank Transfers. Bank Account and Cards. Account Settings and Security FAQ How does one Finch? Jump to Signing Up Pay and Request Tabs Bank Transfers Bank Account and Cards Account Settings and Security Signing Up Having trouble getting started? Where can I sign up? You can

More information

Terms and conditions. All you need to know about joining OVO

Terms and conditions. All you need to know about joining OVO Terms and conditions All you need to know about joining OVO 1.1 This contract is between you and us. We are OVO Electricity Limited (when we are selling you electricity) or OVO Gas Limited (when we are

More information

1. IMPORTANT TERMS In these terms, the following words (in bold) have the following meanings:

1. IMPORTANT TERMS In these terms, the following words (in bold) have the following meanings: These are our terms and conditions for the supply of electricity and/or gas to your domestic property. They form an important part of the contract between us and you. You are our domestic customer if you

More information

Domestic Terms & Conditions

Domestic Terms & Conditions Domestic Terms & Conditions Version 1.8 10 September 2018 Pg 01 Contents 01 Summary of Principle Terms 02 Defined Terms 03 Section 1 This Contract 04 Section 2 Deemed Contract 05 Section 3 Contract Acceptance

More information

Domestic Terms and Conditions

Domestic Terms and Conditions Version 1.4 26 June 2017 Summary of Principal Terms Domestic Terms and Conditions Changes to the Contract If We need to make any changes to the Contract between You and Us that could be to Your disadvantage,

More information

Standard Domestic Contractual Terms & Conditions

Standard Domestic Contractual Terms & Conditions Standard Domestic Contractual Terms & Conditions T&C-DOM-v.0.1 These are the terms and conditions for the supply of electricity and/or gas to your domestic property. First, here is some basic information

More information

Welcome to your Fixed Price Energy October 2018 tariff

Welcome to your Fixed Price Energy October 2018 tariff Welcome to your Fixed Price Energy October 2018 tariff includes Linked HomeComfort Premium Care* *Care is provided subject to the enclosed Terms and Conditions Fixed Price Energy October 2018 is subject

More information

MORTGAGE PRODUCT TRANSFER SERVICE

MORTGAGE PRODUCT TRANSFER SERVICE MORTGAGE PRODUCT TRANSFER SERVICE Everything you need to know about using our service WELCOME Thank you for choosing to use our product transfer service. When it comes to renewing a customer s mortgage,

More information

OVO Energy and Boost Terms and Conditions

OVO Energy and Boost Terms and Conditions OVO Energy and Boost Terms and Conditions All you need to know about joining OVO Energy or Boost 1. Our contract 1.1 This contract is between you and us: (a) You are the person who either signed up to

More information

Business account terms

Business account terms Business account terms Contents GENERAL TERMS Glossary 3 The meaning of certain words and phrases used in these Terms. 1 Introduction 4 2 Use of accounts and giving us your instructions 4 3 Paying money

More information

WELCOME TO INTERNET BANKING. Provided by Scottish Widows Bank

WELCOME TO INTERNET BANKING. Provided by Scottish Widows Bank WELCOME TO INTERNET BANKING Provided by Scottish Widows Bank INTRODUCTION INTERNET BANKING PUTS YOU IN CONTROL OF YOUR BANKING BY GIVING YOU THE FLEXIBILITY TO ACCESS YOUR SCOTTISH WIDOWS BANK SAVINGS

More information

INVESTOR PORTFOLIO SERVICE (IPS) ONLINE USER GUIDE

INVESTOR PORTFOLIO SERVICE (IPS) ONLINE USER GUIDE INVESTOR PORTFOLIO SERVICE (IPS) ONLINE USER GUIDE HELPING HAND. It s important to keep a close eye on your investments, so we do all we can to lend a helping hand. That s why we ve put together this step-by-step

More information

Banking. Charges Guide. Not exactly a thriller. But definitely essential reading.

Banking. Charges Guide. Not exactly a thriller. But definitely essential reading. Banking APPROVED DOCUMENT Clear design Simple language Charges Guide. Not exactly a thriller. But definitely essential reading. Click anywhere to begin, and then use the navigation buttons on the bottom.

More information

Interest Rates, Charges & Important Information

Interest Rates, Charges & Important Information Interest Rates, Charges & Important Information Guide To Changes We are making some changes to this brochure. The changes will come into effect on 6th April 2018 and will apply to all St. James s Place

More information

HSBC InvestDirect Plus. Getting Started Guide

HSBC InvestDirect Plus. Getting Started Guide HSBC InvestDirect Plus Getting Started Guide 2 Contents Getting Started Guide 3 Buying shares 4 Selling shares 5 Frequently Asked Questions 7 How to contact us 7 Important Information 8 3 Getting Started

More information

Five Simple Steps to Managing your Energy Bills. Helping you afford to keep warm

Five Simple Steps to Managing your Energy Bills. Helping you afford to keep warm Five Simple Steps to Managing your Energy Bills Helping you afford to keep warm Step One - Try not to panic You have bills from your energy supplier you can t pay, debts building up and you re scared about

More information

Guide to managing your workforce

Guide to managing your workforce For scheme administrators Guide to managing your workforce For schemes using contractual enrolment Workplace pensions CONTENTS Introduction... 4 View workforce... 4 Searching and filtering... 4 Identifying

More information

Online Fixed Energy A Guaranteed Deal

Online Fixed Energy A Guaranteed Deal Online Fixed Energy A Guaranteed Deal Online Fixed Price Energy February 2016 Prices effective from 20th January 2015 Subject to availability and may be withdrawn from sale at any time. Online Fixed Price

More information

Warehouse Money MasterCard and Red Card Terms and Conditions

Warehouse Money MasterCard and Red Card Terms and Conditions Warehouse Money MasterCard and Red Card Terms and Conditions 1 Contents 1. About these terms 5 2. The Warehouse Financial Services Limited and TW Money Limited 5 3. How to read this document 5 4. Managing

More information

Combined Home Loan. This document sets out your loan or facility s terms and conditions. Some key information about your loan or facility

Combined Home Loan. This document sets out your loan or facility s terms and conditions. Some key information about your loan or facility Combined Home Loan Terms and Conditions This document sets out your loan or facility s terms and conditions In this document we ve explained the terms and conditions applying to your ANZ Home Loan or ANZ

More information

Hello. Classic Classic Plus

Hello. Classic Classic Plus Hello. Classic Classic Plus Welcome to a different kind of banking. Hello, welcome and above all, thank you for opening a current account with TSB. You ve joined a bank that isn t like any other bank.

More information

Personal Banking. Terms and Conditions and Charges. Effective from 16 September 2016

Personal Banking. Terms and Conditions and Charges. Effective from 16 September 2016 Personal Banking Terms and Conditions and Charges Effective from 16 September 2016 2 Personal Banking Terms and Conditions and Charges Contents Page Charges and Overdrafts 3 Charges.......................................................................................

More information

Reference Guide Business Online Banking

Reference Guide Business Online Banking Reference Guide Business Online Banking Contents Page 3 Getting Started Page 5 UK Payments Page 8 Internal Transfers Page 9 Balances & Transactions Page 11 Statements & Reports Page 12 Cheque Management

More information

Tariff of charges. Mortgages

Tariff of charges. Mortgages Tariff of charges Mortgages Straightforward and easy to understand At Tesco Bank, we like to be completely fair, open and transparent. So, we ve made sure our charges are easy to understand and as jargon

More information

TARIFF FEATURES AND BENEFITS IMPORTANT INFORMATION (KEY TERMS) DIRECT DEBIT RULES

TARIFF FEATURES AND BENEFITS IMPORTANT INFORMATION (KEY TERMS) DIRECT DEBIT RULES BLUE+HEATING PROTECT TARIFF FEATURES AND BENEFITS Thanks for choosing Blue+Heating Protect we think you ve made a great choice. Fixed prices You re guaranteed to have no energy price rises with Blue+Heating

More information

Shared Ownership Step by Step Guide SHARED OWNERSHIP STEP BY STEP. your guide to the scheme.

Shared Ownership Step by Step Guide SHARED OWNERSHIP STEP BY STEP. your guide to the scheme. SHARED OWNERSHIP STEP BY STEP your guide to the scheme www.rooftopgroup.org 1 INTRODUCTION The average home in the West Midlands costs nearly nine times the average local wage and private sector rents

More information

General Mortgage Conditions

General Mortgage Conditions General Mortgage Conditions England and Wales 2013 Introduction Over the following pages, you ll find the general conditions of your mortgage. This booklet is very important because it forms part of the

More information

ScottishPower Gas and Electricity. General Terms and Conditions for Domestic Customers

ScottishPower Gas and Electricity. General Terms and Conditions for Domestic Customers 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

More information

product guide. This is an important document. Please keep it safe for future reference.

product guide. This is an important document. Please keep it safe for future reference. portfolio BOND product guide. This is an important document. Please keep it safe for future reference. Glossary. Additional investment(s) Administration office Allocation rate Assets Authorised fund Bond

More information

Terms and Conditions. of Supply. Customer TCs

Terms and Conditions. of Supply. Customer TCs Terms and Conditions of Supply 1 *** IMPORTANT: YOU MUST BE OVER 18 TO ENTER INTO THESE TERMS*** Our terms 1 Definitions 1.1 The following words are used in this these terms and this is what they mean:

More information

HOW TO TRACK ACCOUNTS PAYABLE

HOW TO TRACK ACCOUNTS PAYABLE HOW TO TRACK ACCOUNTS PAYABLE There are two ways to handle bills from vendors/suppliers who give you some time before you have to pay. The method you use depends on whether or not you want to track Accounts

More information

The SchoolMoney User Guide

The SchoolMoney User Guide The SchoolMoney User Guide This user guide will take you through all of the basic functions of SchoolMoney including; setting up a payment, sending texts out to parents, and managing the payments. Anything

More information

ScottishPower Gas and Electricity. General Terms and Conditions for Domestic Customers

ScottishPower Gas and Electricity. General Terms and Conditions for Domestic Customers ScottishPower Gas and Electricity General Terms and Conditions for Domestic Customers 2 Part 1 Glossary of important terms 1 The words listed below have the following meanings in these terms and conditions

More information

The values within the DMS can be held as consolidated totals if required, as any individual items can be extracted from the Service Plan System.

The values within the DMS can be held as consolidated totals if required, as any individual items can be extracted from the Service Plan System. VERSION 3.1.1 The principle idea of the accounting system is to mirror the balance sheet values held within the edynamix Service Plan system with those held on the Dealer Management System (DMS) balance

More information

personal credit cards terms and conditions

personal credit cards terms and conditions personal credit cards terms and conditions a. 1. 1.1 1.2 entering into this agreement Our agreement with you Our agreement with you is set out in this document and in the Personal Credit Card Agreement,

More information

Our Code of Practice

Our Code of Practice Our Code of Practice on Services for Prepayment Meter Customers Your Guide 3 Foreward We would like to take this opportunity to present our Electricity Code of Practice on Services for Prepayment Meter

More information

24-HOUR GRACE. Learn all the details about how it works

24-HOUR GRACE. Learn all the details about how it works 2-HOUR Learn all the details about how it works 2-HOUR How does 2-Hour Grace help? When your account is overdrawn, 1 2-Hour Grace gives you more time to make a deposit to bring your account positive and

More information

Reference Guide Business Online Banking

Reference Guide Business Online Banking Reference Guide Business Online Banking Welcome to safer internet banking Security As online fraud becomes more sophisticated, our security measures need to advance to combat these crimes. The secure token

More information

We're sorry, the lawyers were let loose. If anything doesn't make sense, just get in touch on totoenergy.com/myaccount

We're sorry, the lawyers were let loose. If anything doesn't make sense, just get in touch on totoenergy.com/myaccount Terms and Conditions We're sorry, the lawyers were let loose. If anything doesn't make sense, just get in touch on totoenergy.com/myaccount 1. 1.1 1.2 1.3 1.4 Our contract This contract is between you

More information

with the support of Everyday Banking An easy read guide March 2018

with the support of Everyday Banking An easy read guide March 2018 with the support of Everyday Banking An easy read guide March 2018 Who is this guide for? This guide has been designed to help anyone who might need more information about everyday banking. We will cover

More information

Transferring to Alliance Trust Savings

Transferring to Alliance Trust Savings Transferring to Alliance Trust Savings ATS TERMINOLOGY ATS uses some terminology that you may not be familiar with as a Stocktrade client. Here are a few of the main examples to help explain. INVESTMENTS

More information

Frequently asked questions

Frequently asked questions Frequently asked questions When can I start using my TUI Credit Card? Once you have completed your application, your TUI Credit Card will be sent to you within 7-10 working days (subject to approval).

More information

Equity release from Aviva

Equity release from Aviva You should read this with your personalised illustration. Equity release from Aviva Tariff of charges A guide to the charges for our lifetime mortgages Learn about the charges This booklet gives you a

More information

Mortgage Terms and Conditions (T&Cs)

Mortgage Terms and Conditions (T&Cs) Mortgage Terms and Conditions (T&Cs) Banking with Atom is straightforward, so we ve split our T&Cs into three manageable chunks: General T&Cs; Product T&Cs; and product specific documents, based on the

More information

Current Account Conditions and AccounT Information.

Current Account Conditions and AccounT Information. 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

More information

APPENDIX IV U S E R G U I D E

APPENDIX IV U S E R G U I D E U S E R G U I D E P R E - P A I M D Y P P O O W E E R R U S E R G U I D E Pre-paid Electricity comes to Kenya KPLC now gives you the power to control your electricity consumption with prepaid power. With

More information

Mortgage product transfer guide

Mortgage product transfer guide Mortgage product transfer guide Hello Welcome to our mortgage product transfer guide. This step-by-step guide shows you how to request a product transfer from your client s existing Skipton mortgage over

More information

Frequently asked questions.

Frequently asked questions. Frequently asked questions. Frequently asked questions. Mobile App and Internet Banking. Our Mobile App and Internet Banking are available, but if you re having difficulty logging in, please try closing

More information

LV= Flexible Guarantee Bond Series 3. Bond Conditions

LV= Flexible Guarantee Bond Series 3. Bond Conditions LV= Flexible Guarantee Bond Series 3 Bond Conditions LV= Flexible Guarantee Bond Series 3 Bond Conditions Welcome to LV=, and to our Flexible Guarantee Bond Series 3 These Bond Conditions, together with

More information

A GUIDE TO UNDERSTANDING YOUR RESIDENTIAL BILL/STATEMENT

A GUIDE TO UNDERSTANDING YOUR RESIDENTIAL BILL/STATEMENT A GUIDE TO UNDERSTANDING YOUR RESIDENTIAL BILL/STATEMENT At Green Network Energy, we design your bills/ statements to be clear and straightforward. However, there is a lot of information in your bill/

More information

Terms and Conditions for Hive Active Heating (Hive Active Heating subscription)

Terms and Conditions for Hive Active Heating (Hive Active Heating subscription) Terms and Conditions for Hive Active Heating (Hive Active Heating subscription) Please read this document carefully as it will tell you everything you need to know about the terms on which we will deal

More information

Personal Banking Terms and Conditions. Effective from 13 January 2018

Personal Banking Terms and Conditions. Effective from 13 January 2018 Personal Banking Terms and Conditions Effective from 13 January 2018 Contents About this agreement 4 1. Who s this agreement between? 4 2. How do we contact each other? 4 3. What does this agreement cover?

More information

Electronic Payment Card Program Frequently Asked Questions

Electronic Payment Card Program Frequently Asked Questions 1. What is the new Visa Electronic Payment Card? The Visa Electronic Payment Card (EPC) is a safe and secure method for payment of weekly Unemployment Insurance benefits. It can be used to get cash from

More information

20th February 2015 ScottishPower Standard Domestic Tariff. Prices. Your domestic gas and electricity pricing information

20th February 2015 ScottishPower Standard Domestic Tariff. Prices. Your domestic gas and electricity pricing information 20th February 2015 ScottishPower Standard Domestic Tariff Prices Your domestic gas and electricity pricing information How to find your electricity supply area See what supply area you are in by using

More information

Savings. General Terms and Conditions. Building Society

Savings. General Terms and Conditions. Building Society Savings General Terms and Conditions We strongly advise you read all of the terms and conditions as you will be legally bound by them. Subject to any additional conditions for your account, the following

More information

Is A Prepayment Meter For You?

Is A Prepayment Meter For You? Is A Prepayment Meter For You? If you are considering a prepayment meter you should be aware of the following before making your decision: Prepayment meters ensure that you pay for your electricity up

More information

Your guide to switching

Your guide to switching M&S CURRENT ACCOUNT Your guide to switching 185 125 M&S gift card when you switch and up to 60 when you stay Financial criteria and other terms and conditions apply. Switch and stay All the right reasons

More information

Pre-contract credit information

Pre-contract credit information Pre-contract credit information Standard European Consumer Credit Information PLEASE RETAIN FOR YOUR RECORDS 1. Contact details Creditor. Address. Telephone number(s). Web address. PRE-CONTRACT CREDIT

More information