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Falling behind with your utility bills?

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What to do if you can't pay your bills

Gas and electricity bills are priorities because if you miss payments to them and fall into arrears your provider could eventually cut off your supply.

This means that gas and electricity bills should normally be paid before you consider making payments to unsecured debts such as credit or store cards, payday loans, catalogues or overdrafts.

Water companies don’t have the same powers to cut off your supply, but it’s still important to keep up with your regular water payments and deal with any outstanding water arrears.

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Help with energy bills

If you’re struggling with your energy or water bills it’s important to get in touch with your utilities provider to let them know. This way they’ll know you’re not ignoring the debt and you might be able to come to an agreement about repayments.

There are also other sources of help available such as grants and financial assistance schemes that can help you if you’re struggling to pay your energy bills.

If you feel you've been treated unfairly by your energy supplier, you can raise a complaint with them following their complaints process. 

If this is unsuccessful, you can raise your issue with Ombudsman Services. There's no charge for doing this and they'll review the evidence before making an impartial decision. 

In this section, you can find out what to do if you can’t pay your energy or water bills, and the actions your creditors can take if you have utility arrears.

Helping you become debt free...

“I wish to thank your staff for all the great help they gave me when I was in so much debt.
They were a pillar of support to me.” (Leslie, Essex)

Foundation for Credit Counselling Wade House, Merrion Centre, Leeds, LS2 8NG trading as StepChange Debt Charity and StepChange Debt Charity Scotland. A registered charity no.1016630 and SC046263. It is a limited company registered in England and Wales (company no:2757055). Authorised and regulated by the Financial Conduct Authority.

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© StepChange Debt Charity 2018