Over a fifth of UK residents are expressing concerns about falling into energy debt this winter, as highlighted by Citizens Advice Scotland.
The charity\’s recent findings show that 22% of people, equating to around 360,000 individuals, are experiencing worry or anxiety about energy arrears. Notably, the average energy debt among those seeking complex debt advice across their network is £2,307, which is an increase of nearly £500 compared to last year.
Energy debt can significantly affect mental wellbeing, but there are steps you can take and support available if you\’re feeling anxious.
Contacting Your Energy Supplier
Liz Hunter, a commercial director at Money Expert, advises that if you\’re struggling with your energy bills, the first step is to contact your supplier. “You can request a review of your payments, ask for payment breaks or reductions, seek more time to pay, and even access hardship funds. They’re also able to offer advice on energy-saving measures. In most instances, they can help create a payment plan that’s more manageable,” she explains.
Hunter also suggests reaching out to Citizens Advice for additional support. “They have trained advisers ready to help. Other resources include National Energy Action, Home Energy Scotland, Step Change, and Money Helper.”
Is Financial Support Available?
Many people might not be aware that energy suppliers, councils, and the government offer various schemes and grants to assist with energy costs. “Your eligibility for these might depend on your income, benefits, how you pay for your energy, and your home’s energy efficiency, but it’s always worth exploring,” Hunter notes.
“The array of support available can be overwhelming. The best approach is to contact organisations like Citizens Advice, National Energy Action, or Home Energy Scotland. They can help determine your eligibility and guide you through the application process.”
The Fuel Direct Scheme is another option. “If you’re receiving certain benefits, you can pay your energy bills in small amounts directly from your benefits. It’s advisable to discuss this with Citizens Advice before proceeding, to understand what it means for you,” Hunter adds.
Additional Financial Support
“If you’re using a prepayment meter and can’t afford to top it up, you might qualify for a fuel voucher, usually accessible through your local council,” Hunter explains. “You may also be eligible for Winter Fuel Payments, the Cold Weather Payment, and the Warm Home Discount. These are typically automatic if you qualify, but double-checking on the government website is a good idea.
“Furthermore, if you’ve accumulated debt due to unpaid energy bills, you might qualify for a grant from your supplier. Examples include the British Gas Energy Support Fund, the ScottishPower Hardship Fund, and the Ovo Customer Support Package. Applications for these are generally through the supplier’s website.”
Minimising Usage
Hunter also recommends steps to reduce energy consumption. “Prioritise heating in the rooms you use. If you can’t control individual radiators, consider investing in thermostatic radiator valves. DIY-fitting foam insulation is another cost-effective way to improve your home’s energy efficiency. The more you insulate, the more you can save.”
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