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Falling behind on energy bills — your options

Suppliers have to help under Ofgem rules. Here's what to ask for.

Utility Bills4 min readReviewed July 2026

If you can't afford your energy bill, your supplier is required by Ofgem to work with you on an affordable payment plan based on what you can genuinely pay, including any arrears. If the first person you speak to won't help, ask for their vulnerable customer or debt team.

Most large suppliers run hardship funds that can clear or reduce arrears in cases of genuine difficulty — British Gas Energy Trust, EDF Energy Customer Support Fund, OVO Energy Fund and others. You usually don't need to be a customer of that supplier to apply to some of the trusts.

You may also qualify for the Warm Home Discount (a rebate on your winter bill), Cold Weather Payments (during very cold spells if you're on qualifying benefits) or the Priority Services Register (extra support for older, disabled or vulnerable customers).

Guidance, not personalised helpThis article is written to inform. It isn't personalised debt or legal advice — a Debt Compass adviser will discuss your options and eligibility with you before you choose a route.