When you are struggling to make payments on all your bills it is difficult to know what to pay first.
Some bills are classed as priorities. This is because the consequences of not paying these bills are greater than the consequences of not paying others. For example, if you do not pay your rent or your mortgage you could lose your home.
These bills are your priorities and you must always pay these before your other creditors.
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| Type of payment |
|
Consequence of not paying |
| Mortgage |
|
Losing your home |
| Rent |
|
Losing your home |
| Secured loans |
|
Losing your home |
| Rates |
|
An attachment of earnings order, or an order charging land, or an instalment order, or a seizure order, or a garnishee order or an order appointing receiver |
| Child maintenance |
|
An attachment of earnings order or imprisonment |
| TV licence |
|
A fine or imprisonment |
| Magistrates’ Court fines |
|
Imprisonment |
| Tax, VAT or National Insurance |
|
An attachment of earnings order, or a order charging land or bankruptcy |
| Court Judgments |
|
An attachment of earnings order, or an order charging land, or an instalment order, or a seizure order, or a garnishee order or an order appointing receiver |
| Gas, electricity or other fuel |
|
Disconnection or a pre-payment meter |
| Hire Purchase |
|
Losing your goods |
| Telephone |
|
Disconnection |
| |
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If you are worried because you have missed payments for your priorities please call our Helpline on 0800 138 1111. Our specialist advisors will be able to help you catch up with payments and deal with any arrears you have.
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