Utility Bills
Energy and water are priority debts because of the risk of disconnection or forced installation of prepayment meters. Options exist — including grants.
Falling behind on energy bills — your options
Suppliers have to help under Ofgem rules. Here's what to ask for.
Read the full guideWater arrears, WaterSure and social tariffs
You can't be disconnected from your water supply — but arrears still matter, and support is often overlooked.
Read the full guideEnergy debt and prepayment meters: your rights
Suppliers must offer safeguards before installing or switching to a prepayment meter for debt.
Read the full guideRelated guides
Similar topics you may find helpful
Explore related debt topics like mortgage arrears, council tax debt and more — all written in plain English.
Mortgage Arrears
Missed mortgage payments are a priority debt because your home is on the line. Here's how to protect it.
3 guidesRent Arrears
Rent arrears are a priority debt. How eviction actually works and the steps to protect your tenancy.
3 guidesCouncil Tax
Council tax is a priority debt with fast, powerful collection routes. Here's what to expect and how to negotiate.
3 guidesHMRC & Tax Debts
HMRC has enforcement powers most other creditors don't. Understanding the process — and the flexibility that does exist — is essential.
3 guidesTV Licence
Watching live TV or using BBC iPlayer without a licence is a criminal offence in the UK. Here's how enforcement works and who is exempt.
2 guidesParking Fines
Council-issued PCNs and private parking tickets follow very different rules. Knowing which you've got is the first step.
2 guidesNot sure where to start? We'll walk you through it.
A quick, confidential chat with a friendly team member. No pressure, no jargon — just a clear picture of the options that suit your situation.