What to do in the event you can’t pay your payments

Rachel Hazelwood

seventh Mar 2024

Studying Time: 5 minutes

What occurs in the event you can’t pay your family payments? We just lately posted an article concerning the Don’t Pay Marketing campaign. Jasmine Birtles suggested that clients must be cautious of the results of not paying payments as it might critically harm your credit standing. Firms can move your debt onto debt assortment companies, which might be actually disagreeable.

So what can you do? What occurs in the event you can’t cowl your lease, your power payments or your council tax? We spherical up your choices beneath.

Most significantly – don’t ever ignore a invoice. It received’t go away and the issue will solely worsen.

Ask for assist

Converse to the organisation you owe cash to. It’s attainable they’ll work with you to rearrange smaller funds, extra time to pay or to take a brief break when you kind your self out.

Contact your native council. They may be capable of provide assist with payments, meals and important objects like garments and even home equipment. This is named ‘welfare help’. The assistance obtainable is completely different relying on the place you reside however it’s all the time price asking.

Yow will discover out contact your native council right here.

Are you eligible for extra Advantages?

If you’re already on advantages or are struggling to pay for meals or your lease it’s best to test to see what further assist you will get. Different standards embody:

  • Being sick or disabled
  • Out of labor
  • On a low earnings
  • Pensioner on a low earnings
  • Being a carer
  • Being chargeable for kids

Residents Recommendation has a extremely useful web page the place you’ll be able to test what advantages you will get.

I can’t pay my power payments

Hands holding bills

First – contact your supplier. They may be capable of prepare so that you can pay much less or to pay over an extended time to clear your debt. In case you don’t know who your provider is click on right here for the Ofgem web site.

The “Huge 6” power suppliers are:

You may be capable of apply for a grant that will help you pay your power payments. Are you:

  • Pensionable Age?
  • Registered Disabled?
  • On a low earnings (or no earnings)?
  • Or have you ever missed a fee to your provider?

In case you can reply sure to any of those test right here to see in the event you can apply for a grant.

I can’t pay my lease

If that is you, don’t panic. First converse to your landlord – they could offer you extra time to pay. In the event that they received’t settle for your provide (primarily based on what you’ll be able to afford), pay what you’ll be able to and maintain a extremely cautious report of each fee.

If you’re a council tenant – speak to your housing officer. They’ll do what they will that will help you and offer you recommendation.

In case you’re actually struggling, you would get advantages that will help you pay, akin to Common Credit score or Housing Profit. (You’ll often get Common Credit score in the event you’re underneath State Pension age. You’ll often get Housing Profit in the event you’re over State Pension age.)

Click on right here for extra details about discover out in the event you can apply:

If you’re already on advantages and may’t pay your lease, you’ll be able to apply for a discretionary housing fee (DHP). That is more money from the council that will help you pay your lease. (You might want to be already getting Housing Profit or the housing ingredient of Common Credit score to get DHP). You get DHP by making use of to your native council.

Speak to Residents Recommendation in case you are threatened with eviction. Don’t fear – your landlord can not evict you with no discover. There’s a course of they must comply with. Even at this stage it’s not too late to return to an settlement with them.

I can’t pay my council tax

Couple sharing bills

In case you miss a council tax fee it’s best to contact your native council straightaway. Don’t anticipate them to contact you. Lacking a fee means you might be in arrears.

Ask to talk to somebody within the Council Tax workplace and clarify what’s occurred. They’ll be capable of advise you on what to do and what assist they will provide (that is completely different relying on the place you reside).

Bear in mind – mortgages are completely different. Click on right here for the MoneyMagpie information on what to do in the event you can’t pay your mortgage or miss a fee.

Are loans price it?

3 Things To Remember When Conducting A Personal Loan Comparison

Be actually cautious on the subject of loans. It’s typically far more costly to borrow cash to repay debt because it means paying curiosity on what you borrowed. It’s significantly better to barter together with your landlord or power supplier first. Loans must be a final resort.

In case you really feel you haven’t any different possibility then be certain the lender is on the FCA register. In the event that they aren’t – don’t borrow cash from them. You’ll be able to test by clicking right here.


Jasmine says, “A variety of firms have the flexibility to provide you further time and even to cut back or write off your debt. It relies on your circumstances in fact and it’s typically a good suggestion to get a debt advisor to talk to them in your behalf. Volunteers at Group Cash Recommendation, Christians In opposition to Poverty, StepChange, Residents Recommendation and others are actually used to doing this. It might hurt your credit standing if it’s a must to undergo this nevertheless it might be price it simply to cut back your present money owed.”


Listed below are some extra helpful hyperlinks with data on what to do in the event you can’t pay your family payments:





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