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Low Income Guide to NS Power

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Low Income Guide to NS Power Paying your Power Bill Even where you and NS Power agree on the CONSUMER GUIDE TO ELECTRICITY You are responsible for paying the power bill if it terms of repayment, the Regulations allow is in your name as the “customer of record.” That NS Power to ask you to pay a security deposit. means if you move out, but do not cancel your You can ask NS Power to make an exception and electricity service, NS Power may continue to open your account without a security deposit if you can demonstrate that paying a security de- hold you legally responsible for the power bill posit will cause you hardship. even after you are no longer living at the resi- For many people in Nova Scotia dence. Security Deposits electrical bills are unaffordable. Even if your name is not on the bill (that is, you If you are a new customer or if you are a return- This Guide is for people who need were not listed as “the customer of record”) if NS ing customer with poor credit, you may also be help in accessing electricity. Power is aware that you were getting the benefit asked to pay a security deposit to get your power GETTING CONNECTED of the electricity service, they may hold you re- connected. If you receive social assistance or are sponsible if the bill is not paid. on a low, fixed income, you cannot be required to Regulation of Electricity in Nova Scotia? provide a deposit, unless you have a history of Power in Nova Scotia is government regulat- Your bill is due on the billing date listed on your poor credit with NS Power. ed through legislation called the Public Utili- bill. If your bill is unpaid for a period of thirty ties Act. The Nova Scotia Utility and Review days after the billing date, NS Power can discon- Board, (the Board) supervises electricity pro- nect your power. viders and is responsible for setting the pow- Can Nova Scotia Power refuse service? er rates and charges, and approving the Reg- While the NS Power Regulations don’t apply Yes, Nova Scotia Power can deny you electric ser- ulations of Nova Scotia Power. directly to the municipal utilities, consumers can use the NS Power Regulations to advo- vices in limited circumstances where: Who Provides Electricity in Nova Scotia? cate for similar treatment with these utilities. You currently owe money from a previous account Nova Scotia Power (NS Power) provides 95% Getting Electricity Service You are applying on behalf of someone who of the electricity to consumers in Nova To get electricity service you must be the owes NS Power money from a previous ac- Scotia. NS Power is a private company that is The amount of the deposit will be equal to three owner or occupant of the place that will be count regulated by the Board. Consumer issues months’ service (if you are billed every two connected. An occupant is any person who You live with someone who owes money to such as “budget plans,” “payments agree- months) or two months’ service (if you are has the right to occupy the residence. There NS Power from a previous account ments,” disconnections and security deposits billed monthly). is a $28 charge to connect or reconnect your are part of those regulations. If NS Power refuses to provide you with electrici- power between 8:30 AM and 4:30 PM. If you ty and you need more time to pay what you owe, Nova Scotia Power can ask you to pay a security Consumers have no choice of electricity ser- request that your power be reconnected out- you can ask for more time to pay through a deposit at any time if: vice provider in Nova Scotia. In the six Nova side of those hours, you will be charged an “Payment Agreement” (See below, PAYING YOUR Scotia municipalities where NS Power does additional $75 fee. These charges are applied BILL: PAYMENT AGREEMENTS & BUDGET PLANS). You have no credit history with the company not provide power to consumers, there are to your bill. and an unacceptable credit rating Your service has previously been disconnected municipal electrical utilities, including Antig- for non-payment onish, Berwick, Canso, Lunenburg, Mahone You have a record of moving without notice Bay and Riverport. 2 charged interest, currently set to 1.5% per PAYMENT AGREEMENTS organizations listed at the last page of this Guide. You can also ask NS Power to put you in touch You have filed for bankruptcy and are choos- month, compounded monthly, to a maximum & BUDGET PLANS with their “Low Income Advocate.” ing to claim your electric service account in interest rate of 19.75% per year. In negotiating If your power bill is unaffordable, or you cannot bankruptcy a Payment Agreement, make sure you ask to pay your bill on time, you should contact NS How to request a Payment Agreement You refuse to give customer data Power (or the electrical company in your area) have your interest charges stopped, starting You have been sent disconnection notices right away. NS Power has payment options that NS Power provides an automated phone service from the date that you began negotiating with because of non-payment or your payments may help with paying your bill. at 1-800-428-6230. If you want to speak to an have been returned for insufficient funds. NS Power. employee about a Payment Agreement, select 3, If you need more time to pay your bill then 1, 1 again, and then when prompted enter If You Cannot Afford a Security Deposit Returned or “Bounced” Payments: NS Power your account number. You will then get to speak You may be able to negotiate a Payment Agree- If you cannot afford to pay a security deposit, will charge $23 for a returned cheque or a re- to a person to negotiate the terms of the a Pay- ment if you are having a hard time paying your there are options available to get electric ser- turned automatic withdrawal or pre-authorized ment Agreement. bill. A Payment Agreement lets you pay back the vice: payment from your bank account. This charge is money owing on your bill (the “arrears”) in in- Before calling, it is helpful to consider what your Waiver: You can ask for an exception to be in addition to any charges by your institution for stallments. It also limits the amount of interest budget is and if you can afford to make an initial made in your case, so that you are not re- returned payments. NS Power can charge on your unpaid bills. payment “up-front”. But remember: NS Power quired to pay a security deposit, as long as Your payments may be extended for a period of you keep up with your bill payments or pay- Meter Testing: If you ask for your power meter ment agreement. This is called a “waiver.” If up to 24 months based on: to be tested by Industry Canada as a result of a you are seeking reconnection after being dis- dispute, and the meter is found to be accurate, How much money you owe connected for non-payment, or falling be- hind on your payment agreement, you will you will be charged $38. Your ability to pay, your source of income, then be required to pay a security deposit. expenses and number of dependents NS Power allows you to make payments on your Installment Payments: If a security deposit Your payment history account through these third-party payment ser- is unavoidable, you can ask for the deposit to vices. However, these services charge substan- Other factors including medical needs and be made in equal monthly payments over 12 employment history months. tial fees. You are responsible to pay these fees, not NS Power. Make sure before you sign that the terms of the Ask NS Power for the return of your security agreement are reasonable. Otherwise you could deposit with interest when you close your ac- be setting yourself up to fail. If you breach a Pay- count, or after two years, whichever comes ment Agreement, it will be harder to negotiate in soonest. future with NS Power. does not require an up-front payment to set up a Payment Agreement. If NS Power refuses to offer you terms for repay- The Board must approve any additional charges What if you have a Payment Agreement and on your bill – the amounts in this guide reflect ment that you think you can manage, you may want to connect with a community organization cannot pay? the 2017 charges. with experience in advocacy in these If you already have a Payment Agreement in place, but your circumstances have changed and Interest: If you fail to pay your bill on time and matters. You can call 211, Nova Scotia’s you can no longer meet the payments under the owe money to NS Power, you may also be referral service, as well as referring to the 3 4 agreement, contact NS Power to let them know When NS Power can disconnect power DISPUTE RESOLUTION AND APPEALS about the change. Ask NS Power to amend your Once you have received a Notice of Disconnec- If you disagree with the amount NS Power has Payment Agreement to give you more time to tion, NS Power must wait 12 days before discon- billed you, or with the reasons given for discon- pay. It will be easier to arrange a change in your necting the power. This is your opportunity to nection, you can make a complaint to the Dispute Payment Agreement if you let NS Power know contact NS Power to make arrangements to pay Resolution Officer(“ DRO”).
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