Pay As You GoManaging debt

How do I repay my debt on a traditional Pay As You Go meter?

If you have an outstanding balance from a previous Pay Monthly account or have received additional support credit from us, it’ll need to be repaid. 

You don’t have to pay it all in one go – you can spread the cost to make it more manageable. If you’re worried or need financial support, please get in touch and we’ll work out an affordable repayment plan.  

The repayment plan will mean you’ll pay a set amount either weekly or daily, depending on your meter, until your balance is cleared. This is always made to suit what’s manageable for you. 

How your electricity meter will collect repayments

Your repayments will be taken from your balance on a daily basis. 

How your gas meter will collect repayments

Your repayments will be taken from your balance on a weekly basis. 

Your gas weekly repayment amount will be taken in full from the first top-up you make on or after a Wednesday morning.

If this top-up doesn’t cover the repayment amount, only 70% of your top-up will be taken to repay the debt, so the rest can cover your gas use. 

Your repayments will continue until your balance is cleared. If you can, try and top-up every week so you don’t miss a payment. 

The “Owed” option on your meter screen will show you how much credit you need to buy to catch up on your payments. If your balance reaches £0, you may lose supply. To get your gas back on, you’ll need to top-up your meter. 

How to check your debt and repayment rate

If you’d like more info about checking your debt and your repayment rate, see: How can I check my debt and my repayment rate on my traditional meter?

If you’ve used emergency credit

If you’ve used emergency credit to avoid losing your gas or power supply, you'll need to pay it back in full from your next top-up. If you can, make sure you buy enough credit to pay back the emergency credit, plus what you’ll need for your energy use. 

If you need to pay this back gradually over a period of time, please contact us – we’re here to help. We can talk through the financial support that’s available, and we might be able to offer additional support credit over the phone. 

Once you've repaid the debt or credit we lent you, your meter will automatically stop taking repayments. You’ll just pay for the energy you use from then on.

Is Pay As You Go still right for me?

If you have a medical issue, young children living with you, or you need extra practical support managing your energy, Pay As You Go might not be right for you. If any of these apply, please get in touch as soon as possible to discuss other options. 

Click the green chat icon at the bottom right of your screen or call us on 0330 175 9669. We’re available Monday to Friday, 8am to 8pm and 9am to 5pm on weekends. 

Explore our meter guides

Need more help with your meter? Check out our easy-to-follow guides on topping up, reconnecting your meter, activating emergency credit, and troubleshooting common issues.

Ask the OVO Forum

Can’t find an answer? Try asking our helpful OVO community.

Visit the OVO Forum

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Still need help?

If you have a gas leak, power cut, or Pay As You Go emergency, get emergency help.