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Make a missed-bill action plan
Work out what needs attention first, prepare the facts and contact providers before the problem grows.
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- All arrears listed
- Priority consequences checked
- Essential budget calculated
- Providers contacted and notes saved
- Free debt advice considered
Common problems
There is not enough for essentials
Use a free debt-advice locator now. Avoid taking new high-cost credit to cover an unaffordable plan.
A provider demands an immediate figure
Ask for time to complete an income-and-expenditure statement and request the proposal in writing.
Frequently asked questions
Where can I get free, impartial help with money and debt?
Citizens Advice, StepChange, National Debtline and MoneyHelper all offer free, confidential help with budgeting and debt. They can help you work out priorities, talk to creditors and explain your options. Be cautious of companies that charge fees for debt help that is available free elsewhere.
How can I tell if a payment request is a scam?
Warning signs include pressure to pay quickly, a request to move money to a safe account, changed bank details sent by email or text, and requests for codes or passwords. Your bank will never ask you to move money to protect it. If in doubt, stop and call your bank on the number on the back of your card, or dial 159 to reach many UK banks safely.
Does checking my own credit file harm my credit score?
No. Checking your own credit report is a soft search, which is visible only to you and does not affect lenders' decisions. You have a legal right to see your credit file free of charge from the main credit reference agencies.
What should I pay first if I cannot pay all my bills?
Priority debts are those with the most serious consequences if unpaid, such as rent or mortgage, council tax, energy, court fines and tax owed to HMRC. Non-priority debts such as credit cards and overdrafts still matter but usually carry less immediate risk. A free debt adviser can help you put them in the right order.
Can I get my money back if something I paid for by card never arrives?
Start by asking the seller for a refund. If that fails, your card provider may be able to help: for credit card purchases within certain price limits you may have a claim under section 75 of the Consumer Credit Act, and for debit and credit cards you can ask about a chargeback. If the provider refuses, you can complain to the Financial Ombudsman Service.
What to do next
Review the plan weekly until every priority item has an agreed action. If several payments are already missed, use free, confidential debt advice.