Arrears
For the majority of people the house is their most important possession and needs to be given top priority.
Contact the lender and explain the situation. Try to reach an agreement to pay something extra each month to
clear the arrears. Ensure that you are not paying unsecured creditors such as bank loans and credit cards
instead of the mortgage. I would also advise that you contact us for an appointment to discuss the situation.
You can call our helpline on 0800 138 1111.
Non-payment of Council Tax can have severe consequences, so if you are behind with your payments
it is important that you contact your Council Tax office as soon as possible and try to come to
an arrangement to repay the arrears. Ensure that you are not paying unsecured creditors such as
bank loans and credit cards instead of the Council Tax. I would also advise you to contact our
helpline on 0800 138 1111.
If you in arrears with your gas, electricity or phone bill you can be disconnected, although you should be
notified in writing before this happens. You should contact the company and try to come to an arrangement
to repay the arrears. Gas and electricity companies must take notice of customers in need and should allow
you to pay back what you owe at a rate you can afford. If you require further help and advice you can contact
us on 0800 138 1111.