If you can’t repay your debts, you may have to deal with the potential consequences, so it’s important that you’re prepared.
Dealing with sheriff officers
A sheriff officer needs authority from the court before they can enter your home. If you receive notice that they intend to visit you seek advice immediately as you may be able to prevent further action.
Dealing with court action
Your creditor must send a warning letter before taking you to court. If you receive notification of pending court action seek advice. Do not agree to a repayment that you will not be able to afford. Some lenders will send letters that look like court papers to scare you. If you’re not sure about a letter, take it to a debt advice agency.
Dealing with energy supply disconnection
If you don’t pay your gas or electricity bill within 28 days of receiving it, you risk getting disconnected. However, your energy company must first send you a warning letter.
Households where all the members are of a pensionable age shouldn’t have their energy supply cut off between 1 October and 31 March.
If you’re having difficulty paying your energy bills, tell your supplier as soon as possible. It won’t cut you off if you agree and stick to a realistic payment plan or install a pre-payment meter.