If you’re in debt to an energy supplier or use a prepayment meter, you might worry that switching energy suppliers is impossible. You might even worry that it just isn’t an option for you. That’s a very common worry.
But the good news is that, in most cases, it is possible to switch. The rules are designed to protect you, not prevent you from switching.
In this guide, we will explain what is and isn’t possible, so you can make an informed decision without having to sift through complex rules.
| Your situation | Can you switch? | What to know |
| Debt under £500 (per fuel) | Yes, usually | You don’t need to clear the debt first |
| Debt over £500 (per fuel) | Not directly | You may be able to switch via the Debt Assignment Protocol |
| Prepayment meter (traditional) | Yes | Fewer tariffs, but switching is still possible |
| Smart prepayment meter | Yes, often easier | More suppliers and flexible options |
| Want to move to a credit meter | Sometimes | May depend on credit checks and meter type |
Energy suppliers are governed by rules set by Ofgem. These rules include guidelines on what to do when you’re in debt.
Here’s how it works:
One important thing to keep in mind: switching supplier doesn’t make the debt disappear. It simply means you’ll pay your ongoing energy bills to a new provider.
If your debt is £500 or more, there might be a way to switch your supplier, and this is through a thing called the Debt Assignment Protocol (DAP).
This is a voluntary scheme that allows some customers to move their debt to a new supplier when they switch.
In simple terms:
If you think this could apply to you, it’s worth speaking to:
They can help you understand if this option might be open to you.
It’s completely understandable to wonder what happens to the money you owe if you move supplier.
Here’s the key point: your debt stays where it is.
The actual act of switching does not affect your credit score. Nevertheless, if you make an application for a credit meter or a tariff, a new supplier may run a check.
Being on a prepayment meter doesn’t stop you from switching, although your options can be a bit more limited.
When comparing different tariffs, you need to make sure you are checking:
Prepayment customers have traditionally paid a little more, although this is no longer the case because of price caps. It is still worth checking, though, as there are potential savings to be made.
Yes, and this may allow you to take advantage of even more competitive offers.
Why this matters: credit meters are more likely to have a number of tariffs available, which can save you money in the long run.
If you are unable to switch now, it’s not the end of the world. There are a number of things you can do.
You can ask for a repayment plan that works for your situation. Even small, regular payments can help bring your balance below £500.
Many suppliers offer hardship funds or grants. In some cases, these can reduce or even clear part of your debt.
If you’re eligible, this provides a one-off payment towards your energy costs, which can help reduce what you owe.
This is free and can give you extra support, especially if you’re dealing with financial pressure or other vulnerabilities.
They offer free, independent advice and can help you understand your rights and next steps.
If something doesn’t feel right, for example, if you believe you’ve been treated unfairly, they can step in and investigate.
If you’re able to switch, the process is simpler than many people expect.
Everything is handled behind the scenes, so you won’t be left without energy at any point.
Yes, if the amount owed is £500 or more, including the fuel type.
No, the process of switching will not affect your credit score in any way.
Not if it’s under £500 per fuel. If it’s above that, the Debt Assignment Protocol may help.
Yes. The number of options may be smaller, but a comparison may still help you save money.
It is a small reserve (usually £5 to £10) that ensures your supply remains on if you temporarily run out of credit.
Yes, although this is rare, and usually, your bills need to be unpaid, and other options have been explored. If this happens to you, then advice is recommended.
Being in debt or a prepayment meter customer does not mean that you are unable to get a better deal on your gas and electric.
Most importantly, you’re not alone in this, and there are options available.
If you are eligible, then comparing may help you take back a bit of power and get a better deal for you.