I currently owe British Gas around £350 which to be honest I can't afford to pay. They are asking me for £132.00 per month and the most I can afford is £50 I know my normal gas useage is around £45 per month & I have asked them to fit a pre-payment meter but they say they can't as the meter isn't theirs & I would need to pay £350 for this to happen. (Obviously if I could afford this I would pay off the bill). What I am thinking now is if they could set aside the arrears as a seperate account so my gas balance is nil so I could set up a direct debit for the £45 month I am using, and then arrange a payment plan to pay off the arrears. Does anyone know if this would be acceptable & if so can anyone give me a letter template or some sort of idea of how to word it please. I feel this is the only way I can get my payments to an amount I can afford as at the moment they say the "computer" can only generate a monthly payment of the full balance.
I hope this makes sense and that someone can advise me.
Also I know about the British Gas charity but they recently paid off my electric bill to British Gas & enabled me to have a pre payment meter fitted so I can't apply to them again.