While bills pile up quickly, many households are afraid to knock on the door, which means a bailiff has come to collect any money.
So far this year, the charity group Citizens Advice has said it has supported approx. 30,000 people with energy loansWhich is 26% more than last year.
but as many Now six million families can have debt Their energy supplier money in the form of energy loans has doubled in the past year.
Just last month, Uswitch warned that households owed their provider an average of £188 in energy loans.
This is when households have faced eye-watering problems at the cost of their energy charges.
electricity bill last month 54% increaseBringing the average annual cost of a family to £1,971.
that’s because Price cap increased on 1st AprilAdding an average of £693 to the approximately 18 million domestic standard tariff bills across the country.
Bill payers are not yet in the clear, as a further increase in the cap could happen later in the year, when energy bills could rise. Another £600,
Regulator, Offgame, introduces plan to update price range more frequent too, which could mean that families are expected to pay higher costs sooner.
To help curb costs, a £200. energy discount of Later this year is on the way, but importantly, it will have to be paid back, which won’t help customers drown in payments already due.
If you think a guarantor can get you to take on those loans, you can prevent them from coming back by paying your owed money.
But with bills rising to an unprecedented level, it is not as easy as it sounds.
Here’s what you can do if they show up at the door.
Can I refuse admission to the bailiff?
They might look intimidating at your front door, but you usually don’t have to open your door for a bailiff or let them in.
They certainly can’t get in by force, for example by pushing you back, or by anything except the door – let’s say they tried the window instead.
If you’re not at home and your children under 16 or someone deemed vulnerable answer the door instead, they don’t even have to let the bailiffs in.
There are also certain rules on when they are allowed to enter your home – they cannot come between 9 pm and 6 am.
Just keep in mind that if you decide not to let a surety inThey can take things from outside your home, like your car, to pay off the debt you owe.
But before a bailiff shows up at your front door, you’ll be sent a so-called “notice of enforcement” informing you that an agent will arrive.
If you’re concerned about falling behind on significant bills, contact your creditors as soon as possible.
Depending on what you can afford, they may agree to a new payment plan, which will save them from having to resort to bailiffs initially.
GET HELP FOR ENERGY LOAN
So you won’t even have to face the dreaded knock on the door in the first place, you can get Help clear your energy debt.
For example, if you’re struggling to pay your bills, suppliers may offer you a grant.
British Gas has made a total investment of £6 billion To help clients with their own hardship grants.
They may be entitled to assistance if they have less than £1,000 in savings and between £250 and £750 on an open gas or electricity or duel fuel account.
But British Gas isn’t the only energy firm to offer this, so it’s always worth checking with your own supplier.
Families can also get help winter fuel paymentWhich gives people over 65 between £100 and £300 to cover the cost of keeping their homes warm during the colder months.
Older people on pension credits or other benefits may be eligible for a payment of £140 for heating costs under hot house discount plan very.
If you are concerned about paying bill, Falling behind or in debt, there are many organizations where you can get free advice, including:
Various councils are offering cash assistance to meet your energy cost as well.
Avatars of various councils domestic assistance scheme has offered grants of up to £180 to those struggling to make a living.
They can use the money to increase their energy payments or to increase the cost of food, and more.
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