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State Texas
Legal status
Allowed (Our partner lenders provide payments in Texas)
Loan amount limit Loan Terms:
Loan terms  Not specified
Finance rates  Up to 180 days for CAB agreement
Finance charges  No cap on Credit Access Business fees.  Lender interest capped at 10%.
Maximum APR (Annual percentage rate)  No cap.  Regulator reports average cost 410%.

1835 South Main Street, Weatherford, TX 76086

Texas

Weatherford

1220 N Town East Boulevard, Mesquite, TX 75150

Texas

Mesquite

13909 Nacogdoches Road, San Antonio, TX 78217

Texas

San Antonio

104 Austin Avenue, Weatherford, TX 76086

Texas

Weatherford

621 East Nolana Avenue, McAllen, TX 78504

Texas

Allen

3200 Andrews Highway, Midland, TX 79701

Texas

Midland

1250 Northwest Highway, Mesquite, TX 75149

Texas

Mesquite

5502 N Fry Road, Katy, TX 77449

Texas

Katy

1806 E End Boulevard N No. 1300, Marshall, TX 75670

Texas

Marshall

1304 W Davis Street No. Centre, Conroe, TX 77304

Texas

Conroe


Frequently asked questions about no credit check electricity texas

  • I checked my meter. It read about 220 kilowatts usage per month over the last month. HOWEVER Centerpoint Energy (in TX) is billing me for about 1200 kilowatt hours apparently because that's what the last customer used and, when I called them, claimed they "could not read my meter". --------------------------------------... I called them a week and a half ago telling them to read my meter and that the back gate to the meter is unlocked and I have no dogs. However the bill still has not changed and the person I called simply said "if they are able to read the meter you will see a change on your bill" and gave me no way to, say, make sure the guy who supposedly reads my meter calls me when he tries to read it or let me contact him and make sure he can/does read it. --------------------------------------... Is there a law I can site against this sort of behavior or any way to make them read my meter (beyond simply reporting them to the Better Business Bureau)? I surely can NOT afford huge bills that do not correlate at all with my energy usage...especially after a huge down-payment for my new home...
  • The Better Business Bureau has little say in this matter. The Public Utility Commission of Texas has the rules about this, I don't know about this specific situation, but I am going to look for it. Home page http://puc.state.tx.us/ If You Have a Complaint (generic page) http://puc.state.tx.us/ocp/complaints/co... Substantive Rules - Chapter 25 Applicable to Electric Service Providers http://puc.state.tx.us/rules/subrules/el... Found the URL: §25.25. Issuance and Format of Bills. http://puc.state.tx.us/rules/subrules/electric/25.25/25.25.cfm Here are the paragraphs that might interest you: === quote begin (d) Estimated bills. (1) An electric utility may submit estimated bills for good cause provided that an actual meter reading is taken no less than every third month. In months where the meter reader is unable to gain access to the premises to read the meter on regular meter reading trips, or in months when meters are not read, the electric utility must provide the customer with a postcard and request the customer to read the meter and return the card to the electric utility. If the postcard is not received by the electric utility in time for billing, the electric utility may estimate the meter reading and issue a bill. ===== quote end Reading this, sounds like they are sticking you with huge bills until they have to send someone out to physically read the meter, and then they will make adjustments later. You will still have to pay the current bill so you won't get the nuisance of late charges, but the excess amount paid will get credited to your next bill. Contact them again and demand someone come out and read the meter for the next month's billing instead of waiting three months. 1200 kw-h in one month is not a lot of electricity. Here's why: 1200 kw-h per month / 30 days per month = 40 kw-h per day 40 kw-h per day / 24 hour per day = 1.67 kw per hour A space heater - like the DeLonghi brand of oil-filled heaters - uses 1.5 kw at its maximum setting. So if the previous electric customer had just one electric heater turned on constantly, that would account for 1080 of the 1200 kilowatt-hours. The rest (120 kw-h) would be the refrigerator use, fans, lights, TV sets, computers, etc. and is not much less than your 220 kw-h of usage. To you this is high usage, but to other people (especially those who use electric heat) it is normal usage. ========== Now for the electric utility complaint form: http://puc.state.tx.us/rules/subrules/electric/25.30/25.30.cfm ===== quote begin: §25.30. Complaints. (a)Complaints to the electric utility. A customer or applicant may file a complaint in person, by letter, or by telephone with the electric utility. The electric utility shall promptly investigate and advise the complainant of the results within 21 days. (b)Supervisory review by the electric utility. Any electric utility customer or applicant has the right to request a supervisory review if they are not satisfied with the electric utility's response to their complaint. ===== quote end I think you need to invoke section b. I am not a Centerpoint customer as I live in Austin, Texas, but I do own stock in Centerpoint. Time for me to check the stock price ! TonyRB Sunday, December 13, 2009
  • Contact your state's Public Utility Commission for the procedures on contesting a bill. Most utilities will allow you to read the meter yourself and will render an adjusted bill based upon that. Needless to say, when they do read the meter, any necessary adjustment will be made.
  • Unfortunately, Texas isn't the most solar friendly government in the country. As far as I could see, there are no solar access laws prohibiting agencies from prohibiting solar. There are some federal rules being proposed, but they won't help you yet. Here's a great article about HOA and solar, http://www.greenbuildingadvisor.com/blog... I think a lot would depend on if the solar panels would be on the front or the back of the house. Where is south? If it is in your back yard, you might be good. You do have a 30% tax credit available from the federal government to help pay for a solar installation, but TX doesn't have a state one. Some of the local utilities do, check out the DSIRE web site to see if there is one in your area. http://dsireusa.org/incentives/index.cfm... Your best bet to start with may be energy conservation. Have an energy audit done on your house to see if there are ways you can save on wasted electricity. It is 4x more cost effective to conserve energy than make it with solar. You don't have to pay for what you don't use.
  • All you can do is ask your particular Homeowner's Association. I would think that at least solar water heating makes sense in your area. In California, by law neither a Homeowner's Association nor a local government may hamper the typical installation of solar.
  • Not always. Some limit Satellite TV and if they would put a limit on a 3 foot dish why not limit a bunch of solar panels on your roof? It all depends on who is running the local association and what rules they have in place?
  • HOA are like little liberal nazi governments. A lot don't allow solar panels. http://green.blogs.nytimes.com/2009/05/1... http://solarpowerpanels.ws/solar-panels/... http://www.azcentral.com/12news/news/art... Unlike dish and directv antennas which are protected by law. http://www.fcc.gov/mb/facts/otard.html
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  • Yes I'm sure they would
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