Help With Utility Bill Debt in the UK

Struggling to pay your gas, electricity, or water bills? You’re not alone — thousands across the UK are falling behind on essential utility payments due to rising energy prices and the cost of living crisis. But ignoring the problem can lead to disconnection threats, debt collection, or even court enforcement. At Fresh Start Debt Support, we help you stop the stress, reduce your payments, and take control — starting today.

What Is Utility Debt?

Utility debt refers to unpaid bills for gas, electricity, water, or heating — essential services for daily life. Most energy suppliers and water companies will issue multiple reminders before escalating action, but once you're behind, the charges can mount fast. Missed payments may lead to:

• Threats of disconnection or switching to a prepayment meter
• Referral to external debt collectors like Lowell Financial or Moorcroft
• Damage to your credit file and eligibility for future services
• Potential County Court Judgments (CCJs) or enforcement visits

Can You Be Disconnected for Energy Debt?

Yes — but there are rules. If you’ve ignored gas or electric bills, your supplier may apply to fit a prepayment meter or, in rare cases, disconnect you. Vulnerable customers (such as those with children or health conditions) are protected under Ofgem rules — but action can still be taken unless you arrange a payment plan or enter a formal debt solution.

Don’t wait until you lose access to energy. We can stop enforcement and negotiate on your behalf.

What Are My Options for Utility Debt Help?

There are several ways to get help with utility bill arrears in the UK. The best option for you depends on your income, other debts, and personal situation:

• IVA (Individual Voluntary Arrangement) – Combine utility bills and other unsecured debts. Write off unaffordable balances after 5 years and stop all interest or enforcement.
• DMP (Debt Management Plan) – Reduce your monthly payments and deal with all your creditors in one affordable plan. Ideal if you have regular income.
• DRO (Debt Relief Order) – A powerful option for people on low income with under £30,000 debt and minimal assets. Utility bills can be included.

Our team will guide you through these options — there’s no pressure, and everything is confidential.

Can I Include Other Debts With My Utility Arrears?

Yes. Most people with utility debt also have other financial pressures. With a formal plan, you can include:

• Council Tax Arrears
• Credit Card Debt
• Personal Loans
• Payday Loans
• Rent Arrears

You’ll make one monthly payment that’s based on what you can afford — not what creditors demand. That means no more juggling bills or skipping essentials just to keep the lights on.

What If I’m Being Chased by a Debt Collector?

Many utility companies pass unpaid bills to collectors like PRA Group, Cabot Financial, or Hoist Finance. These agencies can be persistent — calling, texting, and writing repeatedly. If your debt is sold or passed on, your rights don’t change — and we can deal with them directly on your behalf.

Once you start a formal debt solution, contact from creditors must legally stop.

How Much Utility Debt Is Too Much?

There’s no minimum or maximum — if you’re struggling to pay or falling behind, you qualify for help. Even small debts can grow quickly with late charges. The key is to act early and avoid enforcement or disconnection threats.

We’ll work with you to understand your full financial situation and build a plan that protects your household — not punishes you for being behind.

Why Use Fresh Start Debt Support?

• ✅ Free, no-obligation advice tailored to your situation
• ✅ Fast support — we act the same day to protect you
• ✅ We deal with energy suppliers and collectors for you
• ✅ Trusted by thousands across the UK
• ✅ Friendly, non-judgmental support at every step

We’re not here to pressure you. We’re here to help you breathe again, rebuild, and take back control of your finances.