Preventing Energy Debt and Scams

Reviewed by: Dr Jackie Gray, Public Health Expert and Retired GP
(Carents Trusted Reviewer Programme – Last reviewed July 2025)

Energy debt can creep up slowly or strike suddenly. A cold winter, a faulty meter reading, or an estimated bill can all push costs higher. For an older person, any sudden spike can feel overwhelming, sometimes leading them to ignore final notices due to anxiety.

Keep an eye on:

• Energy usage and direct debit levels

• Whether the account is on the best energy plan

• Any letters marked “final notice”

Regular checks help spot problems before they spiral.

If your parent already owes money, contact the energy company directly. By law, they must follow the energy regulator’s rules to set up fair repayment options.

Options include:

• Spreading the cost: Paying the debt back over several months or years.

• Prepayment meters: Paying off a little each time they top up, to avoid further debt (though sometimes more expensive).

• Apply for help: Many suppliers and charities have hardship funds or energy debt grants.

Make sure the repayment amount is genuinely affordable. If it’s too high, ask to renegotiate, it’s always better than falling behind again.

The government’s Breathing Space support gives people 60 days of legal protection from debt collection, interest, and late fees. It’s a valuable break to get advice and work on a longer-term plan. It’s not a fix on its own, but it can ease the pressure while you help your parent get back on track.

Scammers often take advantage of confusing bills or false promises. Watch out for:

• Fake emails or texts claiming a refund or discount and asking for personal details.

• Unexpected home visits from people offering “instant deals.” Always check ID and never sign on the spot.

• Impersonation scams pretending to be from government schemes like the Warm Home Discount. Official services will never ask for bank details or payment.

If something feels off, it probably is.

Help your parent stay confident and safe:

• Encourage double checking. It’s okay to hang up or delete a message that feels pushy.

• Use official channels. Always call using the number on a real bill or company website.

• Ask about doorstep password schemes. Many suppliers let your parent choose a password for in-person visits.

• Have regular chats. Ask about any calls or letters that seemed odd,  reassure them they can always check with you first.

Many scams now happen online. Fake comparison sites or copied company logos can trick even the most careful users.
To stay safe:

• Type addresses directly instead of clicking links from emails.

• Avoid sharing card or bank details through pop-ups.

• Check that a site starts with “https” before entering information.

Teaching your parent to look for these signs helps them stay independent and confident when managing bills online.

Many charities can step in with guidance and practical help:

• Citizens Advice can explain your parent’s rights and help apply for grants.

• Age UK may offer local energy support or benefits checks.

• Local councils sometimes run emergency heating funds for vulnerable households.

You’re not alone, these organisations can ease both financial and emotional stress.

Energy debt and scams can be frightening, but they don’t have to take over your parent’s life.

• Check usage and bills regularly.

• Act quickly if debt starts to grow.

• Use available schemes and grants.

• Stay alert for scams and always verify contacts.

With calm steps and clear information, you can help your parent stay safe, warm, and in control.

Reviewed by Dr Jackie Gray, July 2025