Overdraft Debt Help & Advice
Get help with utility bill debt. We’ll guide you through your next steps and help you find a way to ease the pressure on your bank balance.
- 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.
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Finding It Hard To Keep Up With Utility Bills? You’re Not On Your Own
Household bills can creep up quickly, especially when prices rise or your income changes. A missed payment here and there can soon turn into arrears, and once that happens, it’s easy to feel like you’re always trying to catch up.
When letters or reminders start arriving, the pressure can build fast. Many people worry about how they’ll cover their essentials or what will happen if they can’t make a payment. That kind of stress weighs heavily, and it can be difficult to see a clear way forward.
If your gas, electric, or water bills are slipping out of reach, PennyPlan can help you regain your footing. We offer free and confidential support that helps you understand what steps are available and how to move toward a more manageable and secure financial position.
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We Help With Most Debts - Not Just Overdrafts!
*Mortgage debt can be included if you no longer own the property in question.
Example Of An IVA
UNSECURED DEBTS
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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 Break The Cycle Of Ongoing Utility Bill Debt
Utility bill debt often builds quietly. A missed payment here, a shortfall there, and before long the balance never quite returns to zero. Even when you keep up with day-to-day costs, arrears can sit in the background and continue to grow.
You might be paying your current gas, electricity, or water usage while still chipping away at older debt. Or you may be facing higher bills, backdated charges, or repayment plans that leave little breathing space. When that pattern continues month after month, it can feel impossible to get back on track without help.
If you’ve tried juggling payments or setting up informal arrangements and the debt still isn’t reducing, more structured support may be worth exploring.
Options such as a Debt Management Plan (DMP), Individual Voluntary Arrangement (IVA), or Debt Relief Order (DRO) can include utility bill arrears. These solutions can help bring multiple debts together, stop balances increasing, and give you a clearer route forward.
Utility Arrears Repayment Plan Options
Understanding how to deal with utility bill debt is an important step towards getting things back on track. We will explain your options, so you can focus on easing the pressure caused by arrears and find a clear, manageable way forward.
IVA
Individual Voluntary Arrangement
An IVA consolidates debts into one affordable plan, with a portion of your utility debt potentially written off.
DMP
Debt Management Plan
A repayment plan that combines debts into one monthly payment. Interest can be reduced or frozen, helping ease financial pressure.
DRO
Debt Relief Order
A debt reduction programme for those on low income. Certain debts can be cleared, with no ongoing payments required during the DRO.
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Get Help With Utility Debt 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.
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Need Support With Ongoing Utility Bill Arrears?
If utility arrears keep cropping up month after month, it can start to feel like you are always catching up rather than moving forward.
At PennyPlan, we focus on understanding the full picture, not just the balance showing on a statement. We take time to talk through your utility bills, any arrears involved, and what your household budget realistically allows. From there, we explain the support options available and what steps could help ease the strain.
You do not have to manage ongoing utility debt on your own. 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
Can Utility Bill Debt Be Included In An IVA Or DMP?
In many cases, yes. Utility bill arrears can often be included in a formal debt solution such as a Debt Management Plan (DMP) or an Individual Voluntary Arrangement (IVA).
If you are behind on gas, electricity, or water bills, these arrears are usually classed as unsecured debt. That means they can be taken into account alongside other debts when a solution is set up, helping to bring everything into one more manageable arrangement.
With a DMP, payments are usually reorganised into a single affordable monthly amount, which is then shared between your creditors. This can make ongoing bills easier to manage and may help prevent balances from continuing to increase.
An IVA is a legally binding agreement that can also include utility arrears. It is designed for people who need more structured support and offers a clear framework for dealing with debts over a fixed period, based on what you can realistically afford.
Every situation is different. Some utility providers may still require you to keep up with current usage while arrears are addressed separately, depending on the arrangement. That’s why it’s important to look at the full picture before deciding what route makes sense.
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
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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.
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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.
Utility Debt FAQ’s
Utility bill debt usually refers to unpaid gas, electricity, water, or energy bills. This can include missed monthly payments, arrears built up over time, or balances that remain after a repayment plan has been set up but not fully cleared.
If utility bill arrears are left unresolved, providers may pass the debt to a collection agency or take further steps to recover what is owed. This can include repayment demands or enforcement action, depending on the type of utility and how long the debt has been outstanding. Getting advice early can help you understand what may happen next and how to respond.
Utility bills themselves do not always appear on your credit file. However, if arrears are passed to a debt collection agency or recorded as a default, this can affect your credit score. How it is reported depends on the provider and the stage the debt has reached.
In most cases, yes. Debt solutions usually deal with arrears rather than ongoing usage. This means you will normally need to keep up with current utility bills while older debt is addressed through a DMP or IVA. The exact approach can vary, which is why advice tailored to your situation is important.
If utility bills are becoming difficult to manage, it helps to seek advice sooner rather than later. Support is available to help you understand your options, deal with arrears, and find a way forward that fits your budget. Speaking to a debt adviser can help you regain clarity and reduce pressure.