If you have unpaid court fines, they are treated as a priority debt. This means they should be paid before non-priority debts like credit cards or unsecured loans. If you cannot keep up with payments, there are steps you can take, and we can help.
If you have a Social Fund loan (such as a Budgeting Loan or Budgeting Advance), repayments are usually taken directly from your benefits. This can make it harder to cover your essential bills. Contact us for free advice on managing your repayments and checking what other support you may be entitled to.
Credit union loans are usually non-priority debts. However, if the credit union is your only source of affordable credit, or if they are threatening to bar you from membership services, it may be in your best interests to treat the debt differently. Contact us for free advice on your situation.
If you have a car on Hire Purchase (HP) or Personal Contract Purchase (PCP) and you are struggling to keep up with payments, your rights depend on how much you have already paid. Depending on your situation, car finance debt may be treated as a priority or non-priority debt. Contact us for free advice.
A Fixed Penalty Notice (FPN) is issued by the police or another authorised officer for offences like speeding or littering. This is a priority debt because not paying can lead to a court summons, an increased fine, a warrant for your arrest, or even imprisonment. Contact us for free advice.
If the DWP or your council says you have been overpaid benefits, they can deduct money from your future payments or take other enforcement action. This usually makes it a priority debt. Contact us for free advice on your rights and options.
If you are behind on your gas or electricity bills, this is a priority debt. Your supplier could install a prepayment meter or, in rare cases, disconnect your supply. Contact us for free advice on your rights and options.
If you're struggling to pay your mortgage, this is a priority debt because falling behind could lead to your home being repossessed. The earlier you get advice, the more options you have. Contact us for free, confidential help.
If you're behind on your rent and worried about losing your home, we can help. Rent arrears are treated as a priority debt because unpaid rent can lead to eviction. Contact us for free advice on your rights and options.