What if I can’t pay my bill? (2024)

We know it can be tough, so we really want to help if you’re struggling to pay your bill. You could be entitled to one of our payment schemes.

What if I’m in arrears and I already owe money?

We know that being in debt can be stressful, but we’re here to help and support our customers. If you are in arrears with your account and owe us money, you can call our dedicated collections team who will be able to discuss a payment plan to suit your needs. Call us for free on0800 027 0363 (Monday to Friday, 9am to 5pm).

If you have been contacted by a Debt Collection Agency the best thing to do is to respond to them by the contact methods in the letter. Their friendly advisors will be on hand to work with you and help support you to get you back on track. If you think your account has incorrectly been sent to a debt collection agency, please call us free on 0800 027 0363 (Monday to Friday, 9am to 5pm).

Other help

If you're struggling to pay your bill or have wider financial difficulties, yournearest Citizens AdviceandStepChange Debt Charityofferfree and confidential help and advice.

Am I eligible for a discount on my bills?

You may be eligible for a discount if any of the following circ*mstances applies to you:

  • Your household income is low
  • Someone in your home gets a means-tested benefit
  • You’ve got three or more children under 19 living at home
  • Someone living with you needs more water because of a medical condition
  • You haven’t made a payment to us for a while

Expand the payment schemes and tariffs below to see if one matches your situation.

We know it can be tough, so we really want to help if you’re struggling to pay your bill. You could be entitled to one of our payment schemes.

WaterSure – caps your bills if you have a water meter

You may be eligible for a reduction in charges if you have a low income and you have a water meter at your property.

The reduced charges for the WaterSure scheme are £439 (£186 for water only and £253 for wastewater only) from 1 April 2023 to 31 March 2024.

If your fresh water is supplied by another water company, please contact them directly for assistance.

We can help by putting a limit on your charges for water and wastewater services, as long as you meet the following conditions:

You (or someone in your household) are receiving one of the benefits or tax credits shown below:

  • Child Tax Credit (you must receive more than the family element)
  • Housing Benefit
  • Income-based Jobseeker’s Allowance
  • Income Support
  • Pension Credit
  • Working Tax Credit
  • Universal Credit
  • Income related Employment & Support Allowance (ESA).

And either:

You (or someone in your household) are responsible for three or more children under 19 in full time education who live with you.

Or you, your child or the person receiving the benefit or tax credit have a specified medical condition requiring the use of more water than normal. The specified medical conditions are:

  • Abdominal stoma
  • Crohn’s disease
  • Desquamation (flaky skin disease)
  • Eczema, psoriasis or varicose ulceration (weeping skin disease)
  • Incontinence
  • Ulcerative colitis
  • Renal failure (where they need home dialysis)
  • Another condition which means they have to use a lot of extra water.

Complete our online application form and send us the necessary supporting evidence:

  • A photocopy of the latest ‘notice of entitlement’ for benefits or tax credit.
  • A doctor’s certificate or a letter from a GP or consultant confirming that this condition needs extra water
  • A photocopy of a prescription form or doctor’s certificate.
  • A photocopy of the latest ‘notice of entitlement’ to Child Benefit for each child.

Complete the Financial Assistance form

In order to be considered for any, or a combination of, our assistance schemes and tariffs, you'll need to complete the application form.

Alternatively email us at payless@southernwater.co.uk or phone us for free on 0800 027 0363 8am–7pm Monday to Friday and 9am-1pm Saturday.

Your individual circ*mstances will be assessed confidentially by one of our specialist advisors.

We'll then let you know if you've been accepted onto one of our payment schemes or tariffs.

Water Direct – Jobcentre Plus may pay us directly from your benefits

If you're claiming Income Support, Income-Based Job Seeker's Allowance, Employment Support Allowance Universal Credit or Pension Credit, Jobcentre Plus you may consider paying us directly out of your benefits.

If you have at least £50 arrears, Jobcentre Plus will take a fixed amount from your benefits to cover what you owe in arrears and your current charges.

In order to be considered for any, or a combination of, our assistance schemes and tariffs, you'll need to complete our online application form.

Complete the Financial Assistance form

Alternatively, email us at payless@southernwater.co.uk or phone us for free on 0800 027 0363. Lines are open from 8am–7pm Monday to Friday and 9am–1pm Saturday.

Your individual circ*mstances will be assessed confidentially by one of our specialist advisors.

We'll then let you know if you've been accepted onto one of our payment schemes or tariffs.

Check your entitlement to benefits

You can also receive an online benefits check on the StepChange Debt Charity website. It will look at your situation and tell you what benefits you're entitled to claim.

NewStart – debt support

NewStart can help you pay off your water bill debt.

You might qualify for NewStart if you:

  • currently owe us money and
  • haven’t made a payment for a while.

How to apply

To apply for this scheme please complete our online form.

You’ll need the following information:

  • Your payment reference number
  • Details of your income and expenditure
  • National Insurance number
  • Your name and address
  • Preferred method of contact.

The application form takes about 20-30 minutes to complete.

Complete the Financial Assistance form

Alternatively, email us at payless@southernwater.co.uk or phone us for free on 0800 027 0363. Lines are open from 8am–7pm Monday to Friday and 9am–1pm Saturday.

Essentials – provides a discount on your future bills

Our Essentials Tariff is designed to help customers who are struggling to pay their water services charges. It provides a discount of at least 45% on future bills and a low income pensioner discount.

If you receive your water supply from us

If you receive your water and wastewater services from us, you’ll qualify for our Essentials tariff if:

  • your household income is less than £21,000 (excluding Disability Living Allowance, Attendance Allowance or Personal Independence Payments) and you have savings of less than £16,000
  • someone in your household receives pension credits.

If you qualify, we’ll discount the amount we charge you for services – this will be between 45% and 90% depending on your income.

If you qualify through pension credit, we’ll provide a 45% discount.

If you receive your water supply from another company

If you qualify for our Essentials tariff but you receive your water supply from another company and your wastewater services from us, we’ll provide you with a 45% discount on your wastewater charges.

You may be able to apply for your water supply company’s financial assistance tariff for a discount on your water bill.

How to apply

Complete the Financial Assistance form

Alternatively call our Affordability team on 0800 027 0363.

To help us establish whether you qualify for the tariff, you must provide us with information about your household income, housing costs, and the number of people living in your home.

If you qualify, help with your charges will start from the date you applied for our Essentials tariff. After 12 months we'll contact you to review your circ*mstances, and to decide whether the Essentials Tariff should continue for a further 12 months.

How to apply

If you think you could be eligible for one of the schemes above, you can:

  • complete theFinancial Assistance form
  • email us onpayless@southernwater.co.uk
  • call us for free on0800 027 0363(Monday to Friday, 9am to 5pm)– this number is only for customers struggling to pay their bill (otherwise use ourcontact us page)

Before completing the application form please make sure you have the following information available:

  • Your customer number
  • Details of your income and expenditure
  • National Insurance number
  • Your name and address
  • Preferred method of contact.

The application form takes around 20–30 minutes to complete.

Financial Assistance form

What if I can’t pay my bill? (2024)

FAQs

What if I can’t pay my bill? ›

Call first and talk to someone in the customer service department. Stress your interest in paying off the debt and ask about options. Remember, most companies have no more desire to lose a customer than you do to avoid your bills. The key is communication.

What should I do if I can't pay my bills? ›

What to Do When You Can't Pay Your Bills
  1. Cover your Four Walls. ...
  2. Create a budget. ...
  3. Cut any unnecessary spending. ...
  4. Stop taking out debt. ...
  5. Watch out for debt scams. ...
  6. Plan ways to increase your income. ...
  7. Contact your lenders. ...
  8. Give your creditors their fair share.
Apr 2, 2024

What if you Cannot pay your bills? ›

Contact your creditors and service providers

As soon as you know that you won't be able to make a minimum payment on time, call the creditor and explain your situation. If your bills are out of control and you need help with paying bills, then be as honest as possible.

How do I deal with not being able to pay my bills? ›

How to Catch Up When You've Fallen Behind on Paying Your Bills
  1. Create a list of your bills.
  2. Prioritize missed payments.
  3. Pay bills with the highest interest rates.
  4. Create a budget and track your spending.
  5. Watch out for debt relief scams.
  6. Consider financial assistance programs.

What happens if you dont have enough money to pay the bill? ›

Consequences of not paying bills include: Late fees: Lenders will charge a late fee if you miss one payment, whether it's your mortgage, auto loan or credit cards. Credit card companies can increase the fee from $30 to $41 if you miss two payments. They can charge a late fee every time your payment is late.

What to do if you cannot pay? ›

If you owe money and you're struggling to pay

You should speak to the organisations you owe money to – they might let you pay smaller amounts or take a break from payments. Don't ignore bills or letters about money you owe. You can find out how to start dealing with your debts.

What to do if you can't make your payments? ›

What should I do if I can't pay my credit card bills?
  1. Add up your income and expenses. Look for ways to cut costs. ...
  2. Call your credit card company. When you talk to your credit card company, be sure to clearly explain: ...
  3. Consider credit counseling. ...
  4. Watch out for debt settlement or debt relief companies.
May 15, 2024

Do unpaid bills go away? ›

In general, most debt will fall off of your credit report after seven years, but some types of debt can stay for up to 10 years or even indefinitely. Certain types of debt or derogatory marks, such as tax liens and paid medical debt collections, will not typically show up on your credit report.

How to pay off bills with no money? ›

  1. Step 1: Take Inventory of Your Debts. ...
  2. Step 2: Create a Realistic Budget. ...
  3. Step 3: Avoid Any New Debts. ...
  4. Step 4: Try the Debt Avalanche Method. ...
  5. Step 5: Consider the Debt Snowball Method. ...
  6. Step 6: Increase Your Income. ...
  7. Step 7: Negotiate a Better Rate. ...
  8. Step 8: Increase Your Credit Score.
Apr 16, 2024

What is considered financial hardship? ›

You are in financial hardship if you have difficulty paying your bills and repayments on your loans and debts when they are due.

How to pay bills when you're broke? ›

If you're low on cash, a credit card or checking account line of credit can help in the short term. The government has programs that can offer additional financial assistance. Check if any of your creditors might be willing to delay or lower payments for expenses like rent, mortgage payments, and insurance premiums.

What to do if I'm struggling for money? ›

Coping with financial worries
  1. Stay active. Keep seeing your friends, keep your CV up to date, and try to keep paying the bills. ...
  2. Get advice. If you're going into debt, get advice on how to prioritise your debts. ...
  3. Do not drink too much alcohol. ...
  4. Do not give up your daily routine.

What if I can't afford my bills? ›

If your finances are out of control, contact a consumer credit counseling agency. However, avoid "debt doctors," who often claim they can erase your credit history for a fee. Develop a strategy for debt repayment. Remember, if they do not know your situation, you could end up in court.

What if I don't have enough money to pay my debt? ›

Work through a third-party company: If you don't have the time or patience to deal with every creditor, you could work with a third-party debt settlement company. That company contacts creditors on your behalf and negotiates an agreement that works for both sides.

What happens if you owe money and don't pay? ›

If you don't pay the amount due on your debt for several months your creditor will likely write your debt off as a loss, your credit score may take a hit, and you still will owe the debt. In fact, the creditor could sell your debt to a debt collector who can try to get you to pay.

What to do when struggling with bills? ›

Contact the people you owe.

Call first and talk to someone in the customer service department. Stress your interest in paying off the debt and ask about options. Remember, most companies have no more desire to lose a customer than you do to avoid your bills. The key is communication.

Who can help you out if you are struggling with debt? ›

Consult a Professional Financial Advisor

Meeting with a credit counselor or financial advisor can help you understand all your options for getting out of debt.

What to do when you fall behind on bills? ›

8 Tips for Catching up on Bills
  1. Assess Your Situation. ...
  2. Prioritize Your Bills. ...
  3. Negotiate Payment Plans With Creditors. ...
  4. Cut Back on Non-Essential Spending. ...
  5. Increase Your Income. ...
  6. Set Up Autopay for Recurring Bills. ...
  7. Consolidate High-Interest Debt. ...
  8. Avoid Opening New Lines of Credit.
Jul 18, 2024

What should a person do if paying bills becomes difficult? ›

If you're unable to make your mortgage or rent payment for a month due to your budget, don't panic. Reach out to your lender or landlord and explain the situation to them. Often, they can point you towards programs that help homeowners or renters who are in similar situations.

References

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