Get help with utility bills
If you are having financial difficulty or hardship you may be able to get government help to pay your current gas, water and electricity bills. Ring your utility company and ask if you can get a utility relief grant.
Change the contract
You may be able to ask for a credit contract to be changed because of hardship or because the contract is harsh or unfair. Ask the creditor first. If they refuse you may be able to apply for an order that will give you more time to pay or let you pay bit by bit, in instalments. You may need legal advice.
Question the debt
Creditors can make mistakes. You may need to talk with the creditor if you:
- agree that you owe the debt but do not agree with the amount
- are being…