Consolidate Unpaid Utility Bills

Being in arrears with gas and electric is quite common, and energy bill debt collection agencies will usually start chasing this up after so long.  It’s probably wiser to deal with this type of debt sooner rather than later, because what usually happens once the debt has been outstanding for so long is a debt collector will usually buy the debt from the provider and add there own charges. Also if you’ve been contacted by debt collectors by mail or telephone we may be able to stop this. We can help get a percentage of the debt written of, or worst case scenario pay back what you with no interest or charges. We can also help with other unsecured debt and help putting all your debts into one monthly payment . If your supplier has sent a disconnection notice, it has to be 28 days after they’ve issued a bill so it would be wise to check this.

Information For Energy Arrears

If you’re finding it difficult to pay for your gas and electricity, you’re not alone. Right across the UK, thousands of people are struggling to keep up with their energy bills. We can help you consolidate these type of debts.
Whether you can switch supplier if you’re in debt to your gas or electricity supplier depends on how long you’ve owed the money.If you've owed the money to your supplier for 28 days or less you can switch supplier.
Gas and electricity are priority debts, and when you're in arrears it should become a priority to get sorted. Although if you've not got the money to pay the bill what can you do? Get in touch to see if we can help you with free debt solutions.
It's important to know the difference between debt collection agencies and bailiffs. The important thing to know here is that a debt collector doesn’t have any special legal powers to collect a debt, whereas a bailiff does.

Find Solution To Deal With Debt

Free Debt Management Plans

Debt Management Plans are available across the UK. So regardless of where you live in the UK, if you’re struggling to keep up with payments to your debts. Also a DMP could help you to get your financial situation back on track.


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Debt Consolidation Advice

Consolidating debt usually involves taking out new credit to pay off existing credit. Most people do this to reduce the interest rate on their debt, and to bring down their monthly payments. Also people consolidate to reduce the number of companies they owe money to each month.


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Individual Voluntary Arrangement

An Individual Voluntary Arrangement (IVA) is an agreement with your creditors to pay all or part of your debts. You can agree to make regular payments to an insolvency practitioner, who will divide this money between your creditors.

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Debt Relief Order Advice

A debt relief order can be a low cost alternative to bankruptcy, but is only available to certain people. If you owe than £20,000 and live in England, Wales or Northern Ireland then there is a chance you qualify. How it works you don’t pay anything towards your debts for 12 months – and the debt is written off.


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Protected Trust Deed

A trust deed is a legally binding arrangement in Scotland where you make reduced payments over 4 years. Also at the end of this your unsecured debts are usually written off, and your debt show as paid.


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Options Dealing With Energy Debt

Pay Remaining Balance In Full

Paying the balance all in one if the money is there will be the simplest way to settle this type of debt. If you don’t feel confident enough to negotiate with your debtor how much to pay back we can do this for you. If the amount owed is in dispute and you feel it’s unfair feel free to get in touch with us to see if we can help.

Spread The Cost Of Outstanding Amount

Spreading the cost of a utility bill can be arranged as long as this is agreed with the debtor. If you’ve tried to pay of your energy bill but can’t come to an arrangement with the debtor, get in touch with us and we may have a solution for you. It’s always good to look at the options available before deciding on what to do with the debt. There are many schemes you may be able to apply for that you didn’t even know about.

Find Out If You Can Clear Any Of The Balance

If you’re not with the same supplier anymore and your not sure who the debt is with we may be able to help you find this out and get it under control. What many people don’t realize is that each year millions of pounds in grants are available. This can help anyone in financial hardship pay for the costs of energy or meet the costs of other essentials.

Additional Help With Energy Bills

Energy companies provide a huge amount of help and support for vulnerable customers, especially the elderly and those on key benefits. Visit Energy UK to find out more and know basic legal entitlements.

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