Fresh Start Debt Support
Stabilise gas, electricity, water, broadband & mobile arrears. Ask about Breathing Space to pause interest, charges and most enforcement while we set up the right plan (DMP/IVA/DRO or direct supplier plans).
✅ Start Free Debt CheckUtility bills debt escalates quickly when budgets are tight. We help you stabilise contact, agree a realistic payment with suppliers, and—if other debts are involved—fold everything into one affordable plan. Where suitable, we start with Breathing Space so most enforcement pauses while your plan is set up.
Start My Free Utility Bills Debt CheckEnter your utility arrears and what you can spare monthly after essentials (housing, council tax, food, travel). We’ll estimate plan length so you can make a realistic offer to your supplier.
If pressure is already high, ask about Breathing Space to pause most enforcement while the plan is agreed.
Send My Numbers SecurelySuppliers often agree instalments based on what you can afford and your ongoing consumption (so you don’t fall behind again). Share recent meter readings/usage and propose a fair figure backed by your budget.
Suppliers must follow strict rules and consider vulnerability before switching or installing prepayment. You can ask for a review, an affordable repayment plan, and information on any support funds or grants available through your supplier.
Different rules can apply across the UK; official sources include Ofgem (energy rules) and your water company’s code of practice.
Ask Us to Draft a Payment ProposalRead the official scheme guidance on GOV.UK (Debt Respite Scheme) for full details.
Ask If I Can Get Breathing SpacePrioritise essentials. Share meter readings/usage, propose what you can afford, and ask for a plan in writing. If contact is intense, consider Breathing Space while your plan is agreed.
Ask for the decision to be reviewed and assessed against your circumstances. Provide evidence of vulnerability and request an affordable repayment plan or alternative support from your supplier.
Water companies also offer payment plans and hardship schemes. Include water arrears when you build your budget so the overall plan is sustainable.
Often yes. If you have wider unsecured debts, a DMP can lower payments informally; an IVA is formal, usually freezes interest, and can write off remaining eligible unsecured debt at completion if you qualify.
Use the Utility Arrears Planner above to model timelines, then make a realistic offer suppliers can accept.
Get My Free PlanSuppliers must follow rules and consider vulnerability before taking steps like disconnection or moving you to prepayment. Engage early, offer what you can afford, and ask about support schemes. If it’s urgent, ask about Breathing Space.
Help Me Stabilise ThingsYes—protect housing, council tax and utilities first. Then share a fair amount across other unsecured debts through a DMP or IVA.
Get a Priority-First BudgetOften, yes—subject to eligibility and your wider circumstances. IVAs are typically 5–6 years with one affordable payment; remaining eligible unsecured debts may be written off at completion. DROs can write off qualifying debts after 12 months if your situation doesn’t improve.
See If I QualifySupplier payment plans aren’t always reported. Formal solutions (IVA/DRO) affect credit for a period, but they also stop the situation worsening and give a clear route out.
Ask About Credit ImpactOverdraft fees can drain funds for utilities. Consider restructuring using a DMP or IVA to free up cashflow and avoid repeated charges.
Fix My CashflowWe’ll help you pause pressure with Breathing Space, agree a realistic supplier plan, or set up a single affordable payment across all debts. No jargon. No judgment. Just a practical path that fits your life.
Start Free Debt Check