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How to pay your TV licence and deal with fines or arrears

You need a TV licence if you watch or record live TV programmes as they’re being broadcast, or watch or download BBC programmes on iPlayer. If you don’t have a licence or fail to repay your arrears, you could receive a court fine.

It’s a criminal offence to watch live TV or use BBC iPlayer unless you have a valid TV licence. Without one you risk prosecution and can be issued a fine of up to £1,000, plus court costs.

You still need a licence even if you don’t own a television and only watch BBC iPlayer on a phone, tablet or computer. This doesn’t just apply to live TV, but watching programmes after they’ve been shown.

What happens if I don't have a TV licence?

If you don’t have a valid licence, the process that is usually followed is:

  • You’ll receive a letter asking you to get in touch to start making payments or explain why you don’t need a licence
  • An enquiry officer could visit your home to find out if you need a licence
  • If the enquiry officer finds that a licence is needed they will try to get evidence of this

Failing to pay at this stage could result in court action using the evidence collected by the enquiry officer. The court can issue a fine of up to £1,000 which will show up if your criminal record is checked. Your TV licence must still be paid in addition to the fine.

What happens if I don’t pay my TV licence arrears?

Failing to repay arrears could also lead to a fine and a criminal record.

Because of the serious consequences of not paying the licence fee, it’s important to treat any TV licence arrears as a priority bill.

I’m in arrears or struggling to pay my TV licence, what can I do?

If you’re struggling to pay arrears or keep up to date with monthly bills, this may be a sign you need debt help. Contact us for free, confidential debt advice, or use our online debt management tool, Debt Remedy.

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If you have arrears on your licence you should contact TV licensing to come to an arrangement to repay them in instalments.

You may be eligible for a new trial payment plan devised for people struggling with debts and arrears.

The Simple Payment Plan

The Simple Payment Plan trial scheme offers an affordable and flexible way of paying your TV licence as payments are spread out evenly over the 12 months of the licence.

Payments towards a standard licence work out around £3 per week. If you meet the eligibility criteria you can sign up between 1 April 2018 and 30 September 2018.

If you fall behind with your payments on this scheme, you will be able to spread out payments towards the debt for the remainder of the plan.

This trial isn’t open to everyone, it’s aimed at people who are struggling to pay. If you sign up for the scheme you can stay on these payment terms for a year and renew on the same terms on the same terms for a further year.

You may be able to apply, if you’ve been referred by:

  • An approved debt charity, including us
  • TV Licensing

The advantages of the Simple Payment Plan are:

  • Payments are roughly the same each month or each fortnight, making it easier for you to budget
  • If you fall into arrears, the cost of these can be spread over the remaining term of the licence, rather than being payable immediately
  • A maximum of two months of arrears can be carried over to the next licence year
  • You can pay for this monthly or fortnightly through all the usual routes, including Direct Debit, through the TV Licensing call centre and over the counter at any PayPoint location

You can take part in this trial payment scheme whether you currently own a TV licence or not. There are no restrictions for people going through insolvency.

There's more information on the Simple Payment Plan website.

How do I sign up?

If we’re helping you with your debts, contact our support team and ask them for more information. They will be able to talk you through the process.

You may be contacted directly by TV Licensing and invited to join the scheme. If you have a TV licence at the moment, you’ll be asked to cancel it and buy a new one under the Simple Payment Plan.

How do I buy a TV licence?

There are many ways to buy a TV licence. You can pay weekly, monthly, quarterly or annually and choose how you’d like to pay, whether that’s by cash, Direct Debit, debit/credit card or by post.

To find out more about how to buy a licence visit the TV Licensing website.

TV licence concessions

In some cases you can apply for a reduction on the cost of your licence. This applies if you, or someone you live with are:

  • 75 years old or older - You’re eligible to apply for a free licence by calling 0300 790 6112 or visiting the TV licence website
  • Blind (severely sight impaired) and can provide appropriate evidence – You can apply for a 50% blind concession on your licence. However if you’re partially sighted you won’t be eligible for any reduction

What do I do if I don’t need a licence?

If you don’t watch TV at all or your property is empty or unoccupied you still need to contact TV Licensing and let them know. This should stop any letters being sent to the address for up to two years.

TV Licensing has a policy of visiting some addresses reported as not needing a licence. If you’re found to be watching TV illegally you risk being prosecuted and fined up to £1,000.

Can I go to prison for not having a licence?

No, you can’t go to prison for not having a TV licence. The court can only give you a fine for this. But if you don’t pay, the court can take further action to collect the fine, including sending you to prison as a last resort.

This will usually only happen if you’re refusing to pay and other methods of recovering the fine, such as enforcement agents (bailiffs) or deductions from your wages or benefits have failed.

Struggling with TV licence arrears?

If you’re falling behind with your TV licence payments, or have a fine that you’re struggling to repay, then please call us. Our expert advisors can give you advice on dealing with arrears and getting your payments up to date.

You can also use our free online debt advice tool Debt Remedy or our 60-second debt test.

By answering a few simple questions we'll be able to tell you if you need debt advice. Answer the questions below and we'll help you understand how close you are to having a debt problem and suggest what your next steps could be.


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