Household bills

Use this letter to help you negotiate with your electricity or gas supplier to agree payments you can afford to cover your current energy bills and repayments on the energy debt you owe.

​Use this letter to help you negotiate with your domestic electricity or gas supplier to agree payments you can afford to cover your current energy bills and repayments on the energy debt you owe.

Use this letter when you want to terminate a hire-purchase agreement with your creditor.

Help to understand what a council can do to recover council tax arrears | Free council tax bailiff advice.

What to do if you owe money to your gas or electricity suppliers. Advice on the powers your supplier has and how to come to a payment arrangement.

Help with hire purchase and conditional sale agreements. What to do if you cannot keep up with your hire purchase payments and face repossession.

Free advice on dealing with mobile phone debt. How to get a better deal on your mobile phone and what to do if you fall behind with your bill.

Your home can be repossessed if you have mortgage arrears. Free advice on what to do if you have missed any payments.

If your home is worth less than the balance of your mortgage you have negative equity. Advice on what to do in this situation.

Advice on how to deal with rent arrears. Help for different types of tenancies including housing association, council housing and private sector renting.

Advice on dealing with rent arrears – Wales

Advice on dealing with rent arrears – Wales

Free advice if you are struggling to pay your water bill. Find out if a trust fund can help pay your water debt. How to negotiate with your supplier.