Water Bill Debt Help & Advice
Get support with water bill arrears. Our team will walk you through the options available and help you find a way to ease the pressure on your finances.
- Write off 75%* of unaffordable debt
- One lower monthly payment
- Stop creditor hassle and bailiffs
- Access mental well-being services
Your credit rating may be affected if you opt for a debt solution.
Rated Excellent
100% FREE ADVICE
Get information today on your available options
Feeling The Pressure From Unpaid Water Bills?
Water charges can add up quietly over time, especially if you’re paying in installments, missing occasional payments, or dealing with other financial priorities. When arrears start to grow and letters begin arriving, it can quickly become a source of stress.
While your supplier can’t legally cut off your water in the UK, that doesn’t stop them from taking further action. If you’re receiving reminders, final demands, or threats of legal recovery, now is the time to look at your options.
At PennyPlan, we offer calm, confidential support to help you understand the situation and take steps toward a manageable, long-term solution.
As seen on:
We Help With Most Debts - Not Just Water Bills!
*Mortgage debt can be included if you no longer own the property in question.
Example Of An IVA
UNSECURED DEBTS
Your Monthly Repayments:
Find out for FREE what debt help is available to you
Subject to creditor acceptance. Payment subject to individual circumstances.
Credit Rating may be affected. Fees apply, subject to individuals circumstances.
Reasons To Choose PennyPlan
- Stop all interest & charges
- Write off debt
- Access well-being services
- Reduce monthly payments
How To Get On Top Of Water Bill Debt
It’s not always one big missed payment that causes water debt, sometimes it’s smaller amounts that build up over time. If you’ve fallen behind and are now facing arrears, it can be hard to catch up, especially if you’re also juggling other debts.
In situations like this, a formal debt solution could help. Water bill arrears can usually be included in a Debt Management Plan (DMP), Individual Voluntary Arrangement(IVA), or Debt Relief Order (DRO), depending on your situation. You’ll still need to cover ongoing water charges, but these solutions can help deal with what you already owe, often by reducing monthly payments, freezing interest, or writing off debt after a set period.
Water Bill Arrears Repayment Plan Options
Understanding how to deal with water bill arrears is the first step toward reducing the pressure. Our goal is to help you find a solution that makes the debt more manageable and gives you a clearer path forward.
The right approach will depend on your personal circumstances, which is why one of our advisers will take the time to understand your situation, explain your options, and support you every step of the way.
IVA
Individual Voluntary Arrangement
An IVA brings multiple debts into one affordable monthly payment. Water arrears can be included, and a portion of the debt may be written off at the end of the term.
DMP
Debt Management Plan
A repayment plan that includes water arrears in one monthly payment. Ongoing bills are paid separately, but past debt becomes easier to manage.
DRO
Debt Relief Order
A DRO is for individuals with limited assets and can cover multiple debts in one solution. Water arrears can be included, and the debt may be written off after 12 months.
Find Out For FREE What Debt Help Is Available To You
Get Help With Water Bill Arrears Today
We’ve helped people across the UK take control of their debts and get their lives back on track. Our trained advisers will assess your individual situation and guide you towards the best way to manage and resolve your finances.
Do I Qualify
For an IVA?
100% FREE ADVICE
Get information today on your available options
Get Help With Water Bill Arrears Today
When water debt starts taking up headspace or worse, affecting your ability to pay for essentials, it’s time to take action.
At PennyPlan, we’ll help you understand your situation and take practical steps to move forward. Our advice is always free, confidential, and based on what’s best for you, not what’s easiest for the creditors.
There’s no shame in asking for help. Let’s work through it together, speak to our team today.
- One lower monthly payment
- Write off 75%* of unaffordable debt
- Freeze interest & charges
- Stop legal action including bailiffs
- Receive FREE well-being sessions
What Happens If You Don’t Pay Your Water Bill?
If water bills go unpaid, your provider may begin adding late payment fees and sending reminder letters. Over time, the account could be passed to a collection agency, or your water company may apply for a County Court Judgment (CCJ) to recover the money.
While your water supply can’t be cut off in the UK due to debt, unpaid bills can still cause serious financial strain. A CCJ can damage your credit score and affect your ability to borrow, rent, or pass certain background checks.
Acting early gives you more control, and more options to resolve the situation before it escalates further.
Tackle Your Debt And Your Mental Health In One Place
Our team are committed to getting your finances and well-being back in top condition
Apply for our eligibility check
Find out if you match the minimum criteria we require to enter you into one of our IVA plans
Speak to our debt specialists
Speak to our friendly debt specialists, who will explain all the options available to you.
Choose your debt solution
Now you have all the options available, you can make an informed decision that is right for you and your family.
Do I Qualify
For an IVA?
What Our Customers Say About Us
Maria
3 days ago
PennyPlan were extremely professional and genuinely caring, I am very happy that I made the call and now have a plan in place and peace of mind. From the first contact to the signing of the agreement it was straight forward and simple plus the staff really are exceptional in the way they listen and understand’ I couldn’t have asked for a better company.
Emily
4 days ago
For over a decade I have kept my money worries to my self away from friends and family one phone call with Leah and I had laid it all bare without a second thought nothing shocked her and nothing wasn’t sortable I’m forever grateful I stumbled across this company and no longer have to worry about money on my own. Highly recommend!!
Daniel
4 days ago
PennyPlan offered insightful, professional and empathetic support throughout my insolvency. Declan in particular was friendly, personable and knowledgeable, and a massive help throughout the process. They offer a no pressure service and allow you to make the best decision for yourself. I highly recommend these guys for anyone struggling with debt.
Mark
1 week ago
I was hesitant in applying for an IVA, But my mind was put at ease on the first call. The whole process was explained to me with complete care and understanding and I didn’t feel judged at all. Since being accepted for the IVA my mental health has improved so much and I now don’t worry about how I am going to put food on the table each week.
Water Bill Debt FAQs
No. In the UK, it’s illegal for a supplier to disconnect your water supply due to unpaid bills in a residential property. But the debt can still be passed to collectors or lead to court action.
Yes. Water debt is classed as a non-priority but unsecured debt, which means it can be included in an IVA, DMP, or DRO depending on your circumstances.
Not directly; unless the account is passed to a debt collection agency or a CCJ is issued. At that point, the debt may show up on your credit file and affect your ability to access credit.
Many suppliers offer hardship schemes, payment plans, or discounts for low-income households. But if the arrears have become unmanageable, a formal debt solution might be a better long-term fix.
If water debt is just one part of a wider issue, we can help you look at the full picture and explore regulated options to deal with all your unsecured debts in one go.