Debt can feel overwhelming, but you’re not alone. Many people experience financial difficulties at some point, but there are options to help you get back on track. If you’re struggling to keep up with payments, here are some steps you can take and organisations that can support you.
Steps to take if you’re struggling with debt
1. Review your finances
Start by looking at your income and expenses. Understanding where your money is going can help you find areas to cut back or adjust your spending.
2. Prioritise your bills
Some bills, like rent, mortgage, utilities, and council tax, should be your top priority. Missing these payments can have serious consequences. If you’re struggling to pay, we have the tools to help.
3. Seek help and advice
There are many organisations that offer free, confidential advice if you’re struggling with debt. Don’t hesitate to reach out for support.
4. Contact your service providers
If you’re having trouble paying bills, don’t ignore them. Many providers, including Affinity Water, offer flexible payment plans to help you manage your payments.
How we can help
We understand that financial hardship can make it hard to stay on top of bills. That’s why we offer support for customers who are struggling with payments. Depending on your situation, we may be able to provide:
- Payment plans to spread the cost of your bill over time.
- Priority Services Register is here for customers who need extra support due to health conditions, disabilities, age, or other specific needs.
- WaterSure and other affordability schemes for eligible customers.
For more details, visit our support page.
Need guidance?
Here are several independent organisations who provide helpful financial advice:
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Turn2us - a charity that helps people in financial difficulty by providing information about benefits, grants, and other support options. Use their calculator to check what support you may be eligible for
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StepChange - offers free, tailored debt advice and solutions
- Citizens Advice - offers guidance on managing debts and budgeting effectively. If you're struggling, don't wait. Reach out to us or an independent organisation for support today.
If you're struggling, don't wait. Reach out to us or an independent organisation for support today.