Utility Bill Debt

Getting into utility bill debt can be easily done but it’s important you know what to do should you find yourself in arrears with your utility bills.

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This Guide Includes

1. Utility Bill Debt

2. What to do if I find yourself in utility bill debt?

3. Check your utility bill

4. Check your fixed payment amounts

5. Keeping on top of utility bills


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Utility Bill Debt

In today’s economy, keeping on top of monthly outgoings is becoming increasingly difficult and with utility bills making up an ever-increasing proportion of the average family’s monthly spend, it’s easy to see how many people can fall into arrears on their payments for gas, electricity, water and other utilities.

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Getting into utility bill debt can be easily done and the most common causes include direct debits or standing orders based on inaccurate estimates, unexpected utility bill price rises, lost bills, moving house and forgetting to settle a final bill or missed payments after switching supplier.

Utility bill arrears has been steadily increasing in the UK, with around 8% of the adult population in debt to one or more utility company – despite gas and electricity being considered ‘priority debts’. Priority debt is debt that has serious consequences when not paid on time, with utility arrears, such as the gas and electric supply being turned off in your home.

What to do if I find yourself in utility bill debt?

If you fall into arrears, you should contact your utility company in the first instance to discuss the problems you’re having in making payments to them. All utility companies have strict policies in place which govern the way they deal with customers in arrears and they should always be prepared to work with you to find a realistic solution.

Check your utility bill

If your utility provider is basing your bills on ‘estimated’ usage amounts, this may not tally with the actual amount you are using, so you may be overpaying.

Check your fixed payment amounts

If you pay a fixed amount every month, have a look to see if this amount is roughly right to cover the cost of your average usage. Your utility company should regularly review and amend these fixed monthly payment amounts to make sure you’re not building up unnecessary credit with them, but it is always worth having a look yourself too.

Review your finances: you might find it useful to work out all your income and outgoings to see where your money is going – this could help you find areas where you can easily reduce your outgoings.

Keeping on top of utility bills

Keep on top of things by setting aside enough money each month to cover all bills – and remember, your heating bills may be more expensive during or shortly after winter. By setting side enough money each month, you can help make sure utility price increases don’t send you into arrears.

Set up a Direct Debit or standing order so you don’t forget to pay your bill. Utility companies often offer a discount for Direct Debit customers.

You should also double-check you’re on the cheapest tariff. Use one of the many online tools to check that you’re getting the best deal and if you find a cheaper deal, switch. Just make sure you pay all outstanding amounts to your old supplier.

If you are struggling to repay utility bill debt contact our expert debt advisors to discuss your options. Our team can help you put a plan in place to let your get back on top.

Call now on 0800 121 48 63 or use the contact form on this page.

Reviews & Testimonials

Charlotte
2021-05-04
I really appreciate the support I was given regarding debt advice. I was provided with the upmost respect and there was no judgement at all. As difficult as it was to go through my situation, the advisors made me feel comfortable and were able to support me to find a solution to better manage my debts. A huge thank you to Jay and Keeley.
IB Whittaker
2021-04-28
I was in a really bad situation due to a sad divide between my family but when I came to Refresh Debt Services, my mind was almost at complete ease. Keith Brady in particular is a lovely advisor and does his utmost to not only help, but follow each step along the way with perfect understanding of each situation. Couldn't recommend this company enough.
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2021-04-28
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2021-04-28
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2021-04-27
From the day i started my DMP the team have been more than helpful and respectful. Over the Last years i have had know reason to contact Refresh as i never had any issues with my payments ect. In the last week as my DMP has come to an end i needed advice and support with being able to show proof my DMP had come to and end and i now owe nothing, but also a huge weight lifted from my shoulders. Brenna my account manager was soo helpful and understanding and took her time to chat to me and send me all the info i had asked for. These people are not judgmental or insensitive, just helpful people trying to help you get back on track!! Thank you
jean roaach
2021-04-17
I found refresh very helpful when I was struggling with my debts. I received monthly statements and updates on what I was paying and when things changed and was only to happy to help with any problems I had all ways pleasant on the phone and understanding. Lucky enough I am debt free thanks to refresh would highly recommended them
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2021-04-15
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2021-04-03
Keith was absolutely brilliant. I was a victim of a sophisticated Bitcoin scam which has been largely responsible for my present financial predicament and I feel embarrassed and ashamed that I allowed this to happen to me.As a result I was really scared as I began to think that everything was fraudulent including Debt Management agencies. Right from the start I felt safe and reassured with Keith. He not only knew his stuff but validated my feelings and perceptions, was not at all judgemental and his concern and empathy were genuine with marked social, psychological and emotional intelligence and sensitivity. For the first time since I realised I had been scammed I could sleep. I felt protected and I still do. He would make a very good psychiatrist.
customer
2021-04-01
From the moment I spoke to Keith he put me at ease. He professionally took me through the possible steps, answering any questions that I had and his empathy and reassurance was very appreciated. Once I came to a final decision on what I needed Keith again answered any other questions and quickly put the plan into action. Honestly I had spent so many days/nights worrying about the debts once I had finished talking to Keith I felt like a huge weight was lifted from My shoulders!! I can’t thank Keith enough for taking the time to listen and then implement the plan for me! 10/10
Zdenka Suchankova
2021-03-29
Its a very friendly staff, just 5:45 I wait for next phone call and now its a5:50 and nobody call me. Something wrong?

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