Boilers - Want to pay off loan

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Based on resolver's experience to date, the feasibility of paying off your Green Deal loan early will depend on the agreement you have signed and the provider. As this is a loan there may be early repayment charges (if the repayment period is more than 15 years) and the first step should be to contact your energy company or Green Deal Provider to check what any charges are. Any early repayment charges must have been disclosed to you up front or made clear in your green deal agreement. If it is the case that you were unaware of the early repayment charges then you should write and complain to the Green Deal provider in order to ask for these charges to be waived. As a last resort, you can complain to the Ombudsman and ask them to arbitrate your case, but you should bear in mind that if an early repayment clause is included within your deal you are unlikely to obtain redress unless you can demonstrate that you were misled.

It should be borne in mind that since your Green Deal loan repayments are tied to the property, if you are intending on moving house before the Green Deal loan period is completed then it will be in your interests not to pay the loan off early.

Resolver recommends that you submit your concern in writing and we can assist you in all aspects of your complaint; formulating letters, recording dialogues, and reminding you when and who to escalate to.

Remember that this is a good time to check that you are on the best energy tariff for your needs using a price comparison website, so it’s a good idea to take some time to compare prices and switch providers if you find a better deal. As you are moving into a new home you may not have the full details for the energy use in the home so resolver recommends you ask the current owner/occupier for the energy usage via your solicitor or the estate agent.

Price comparison websites often have tools that help you estimate your energy usage and to help you make an informed decision.

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