The Debt Assignment Protocol
For prepayment meter customers, the Debt Assignment Protocol allows switching even with debt — the new supplier takes on the debt from the old supplier.
For credit meter customers, the £500 rule applies. Below £500 you can usually switch; above £500 requires debt clearance or a specific arrangement.
The 28-day rule
Debts under 28 days old (from the invoice date) do not prevent switching, even above £500. This lets you switch even if you have recent unpaid bills.
Debts over 28 days old with balances above £500 can block switching until resolved.
Why switching can help
Some suppliers offer cheaper tariffs, hardship funds, or better payment terms. Switching can reduce ongoing costs and free up budget for debt repayment.
Comparison sites (Uswitch, MoneySavingExpert) show current deals. Look for social tariffs and hardship fund availability if you are struggling.
What if you cannot switch
If your existing debt blocks switching, talk to your current supplier about a payment plan and reduced tariff. Threats to switch can sometimes prompt better offers.
If the supplier is uncooperative, the Energy Ombudsman route is open.