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How to get help if you're struggling to pay your bill.
If you're having trouble paying your bill, don’t wait. Get in touch with us:
You may be able to:
If you miss a payment, we’ll send a reminder. You’ll have 7 days to catch up.
If you fall behind again, we’ll send a second reminder.
If you still don’t pay, you’ll lose the right to pay in instalments and the full year’s bill becomes due.
If you don’t pay, we may send a court summons. This means you’ll owe the full amount plus £70 in court costs.
You don’t have to attend court, but you can if you have a valid reason (e.g. you’ve already paid or you’re not the person named).
You can avoid court by following the repayment plan on the back of the summons or by making a new payment offer.
Make a summons repayment offer
If the court grants a liability order and you still don’t pay, we may:
We can tell your employer to take money from your wages. The amount depends on how much you earn.
| Net earnings | Deduction rate |
|---|---|
| below £75 | no deduction can be made |
| £75 to £135 | 3% |
| £135 to £185 | 5% |
| £185 to £225 | 7% |
| £225 to £355 | 12% |
| £355 to £505 | 17% |
| above £505 | 17% for the first £505 and 50% for the remainder |
| Net earnings | Deduction rate |
|---|---|
| below £300 | no deduction can be made |
| £300 to £550 | 3% |
| £550 to £740 | 5% |
| £740 to £900 | 7% |
| £900 to £1,420 | 12% |
| £1,420 to £2,020 | 17% |
| above £2,020 | 17% for the first £2,020 and 50% for the remainder |
We can take money from:
Manage deductions from your benefits to pay debts and bills
When a debt is handed to an enforcement agent (also known as bailiffs), you will receive a Notice of Enforcement from them. This is the first step in the enforcement process.
The letter explains that the bailiff is now responsible for collecting the debt and asks you to pay. At this point, a fixed fee is added to your debt.
If you don’t pay, an enforcement agent may visit your home, and another fixed fee will be added, even if no one answers the door.
Read more about your rights when bailiffs visit your home
The level of fees that can be charged is set out in legislation.
Learn more about the different fees bailiffs can charge
If you're struggling with debt and you're in a vulnerable situation due to illness, disability, or financial hardship, you may be eligible to extra time and support.
Most enforcement companies have their own welfare or support teams. They may ask you to provide evidence of your situation.
If you still don’t pay, we may:
Start bankruptcy proceedings:
Apply for a charging order:
Apply for committal to prison: