Worried About Utility Bill Debt?

Falling behind on gas, electricity, or water bills can be overwhelming — but you're not alone. Many households across the UK are in the same position. We’re here to help you take control of your utility arrears and avoid disconnection.

What Counts as Utility Debt?

Utility debt includes unpaid bills for essential services such as gas, electric, and water. Arrears can quickly build up during colder months or if energy prices rise sharply.

Can I Be Cut Off for Non-Payment?

In most cases, energy suppliers must offer a repayment plan before disconnecting you. However, persistent non-payment can lead to disconnection notices, prepayment meter installation, or legal action. Water supply cannot be disconnected in domestic homes but arrears can still be pursued.

What If I Can’t Afford to Pay My Utility Bills?

If you’re in financial hardship, support is available. Debt solutions like IVAs or DMPs can help you make one affordable monthly payment that includes your arrears.

See What You Qualify For

Can I Include Utility Debts in an IVA or DMP?

Yes — gas, electricity, and water arrears are eligible for inclusion in formal debt solutions. This means you can consolidate them with other debts and protect yourself from enforcement action.

How Much Can I Save?

Depending on your situation, you could reduce your overall payments significantly. In an IVA, unaffordable debt is written off after a fixed term. In a DMP, interest and charges are often frozen.

Freeze Interest & Lower Payments

What Happens If I Ignore Utility Debts?

• Credit damage and potential defaults
• Disconnection threats (gas/electric)
• Enforcement agents may visit to collect
• Stress and uncertainty for your household

Acting early means more support options and less pressure. Start with a confidential review of your situation today.

Start Free Assessment