Check If You Qualify

Utility Bills

Usp Handshake

We offer an

Instant Initial Consultation

Usp Palm Wallet

We'll Help You

Lower Monthly Payments

Usp Hand Heart

HELPING SCOTS GET

Out of Debt Since 1989

Why are my utility bills so high?

  • Wholesale energy prices have increased on a global basis, and energy suppliers have passed on this increase to consumers
  • A higher than normal demand for energy in Europe due to a cold winter season has left gas supplies at a low level
  • Generally hotter weather experienced in different areas of the world has also led to greater use of air conditioning systems, and when demand outstrips supply, prices go up
  • Multiple smaller energy providers have gone out of business due to the energy cap, which limits how much they can charge consumers – they haven’t been able to recoup their own costs, leaving the energy market in general turmoil.
Sharon McDougall Square

Sharon McDougall

Debt Adviser

Call: 0800 0639 250

Scotland Debt Calculator

Get a rough indication of what your repayments might be under each of our different debt solutions.

Your Total Debt

£0 - £5,000

£5,000 - £10,000

£10,000 - £20,000

£20,000+

Your Employment Status

I am employed

I am self-employed

I am unemployed

I am a student

I am retired

Your Total Monthly Income

£0 - £1,000

£1,000 - £2,000

£2,000 - £3,000

£3,000+

What can you pay monthly towards your debt?

£0 - £100

£100 - £200

£200 - £300

£300+

What happens if you have utility bill arrears?

Your energy provider must try to help you reach a solution if you get into arrears, and it's crucial that you contact them straight away. They may be able to offer you a new payment plan that repays your arrears over time, but that also includes a sum towards your current usage.

You'll need to inform them of your regular household expenditures, and how much money is coming in each month. It’s also helpful to let them know your financial position as a whole - whether you owe other debts, for instance, or if you've lost your job.

If you cannot agree a revised payment plan they may insist that a prepayment meter is installed. In rare circumstances, they might threaten to cut off your gas or electricity supply, but if you’re on certain benefits a scheme called Fuel Direct may help – this allows you to pay your utility bills from your benefits.

Your provider must also support you in reducing your energy bills by providing information on energy efficiency around the home, and may allow you to pay your utility bills at the intervals that suit you – weekly, if you receive a weekly wage, for example.

How do prepayment meters work?

If you already have a prepayment meter or your supplier installs one because of your arrears, you’ll pay for your energy in advance. Some providers use a proportion of each top-up amount to reduce arrears.

Disconnecting your energy supply is a last resort for energy companies, and before doing so they must have tried to help you repay. For example, by providing different payment methods and offering payment by instalments.

For more information on what to do if you have utility bill arrears, please contact Scotland Debt Solutions. We offer free same-day meetings, and operate offices around Scotland so you can quickly access the support you need.

Debt Report V2

Debt Report

Get your instant Debt Report

Common Debt Issues

Just some of the issues we can help you with

Overdraft Debt
Household Expenses

Overdraft Debt

Store and Credit Cards Debts
Stack Of Credit Cards

Store and Credit Cards Debts

Council Tax Arrears
Couple working out household debt

Council Tax Arrears

Mortgage and Rent Arrears
Rental House

Mortgage and Rent Arrears

Car Payments
Car Parking Fine on Windscreen

Car Payments

County Court Judgment
Court Order

County Court Judgment

swiper arrow next
swiper arrow next

We now do home visits

If you would prefer a meeting in the comfort of your own home, we are happy to arrange a date and time convenient for you no matter where in the country you are based.

Book a home visit

Tools

Useful Tools

Find a Local Office
Usp Signpost

Find a Local Office

We have five offices located across Scotland. Find your nearest one here.

Find an Office
Instant Scheduled Call & WhatsApp
Headset

Instant Scheduled Call & WhatsApp

Arrange a call with an expert advisor at a time to suit you or contact our team via WhatsApp for immediate help and advice.

Arrange Callback
Personalised Debt Report
Usp Planner

Personalised Debt Report

Our personalised debt report will help you better understand your financial position and see where your money is going.

Debt Report
map pin

Glasgow

2 Bothwell Street, Glasgow, G2 6LU

The Team

Meet our qualified Scottish based team

100% Confidential Advice

Chelsea Williams David Tannock Sharon McDougall Square

We'll give you a call

Our Scottish based team can help advise you on your debt problems.

Here at Scotland Debt Solutions we take your privacy seriously and will only use your personal information to contact you with regards to your enquiry. We will not use your information for marketing purposes. See our Privacy Policy.

The Team

Meet our qualified Scottish based team

100% Confidential advice

Chelsea Williams Thomas Mckay Kelly Jones Tannock1

We'll give you a call

Our Scottish based team can help advise you on your debt problems.

Here at Scotland Debt Solutions we take your privacy seriously and will only use your personal information to contact you with regards to your enquiry. We will not use your information for marketing purposes. See our Privacy Policy.

Resources

Additional Debt Advice

Our Insolvency Practitioners are regulated by ICAS or the IPA and our firm is authorised and regulated by the Financial Conduct Authority

Fees and Information: There are fees associated with our services. These will be fully explained before entering into any of the personal debt solutions referred to on this website. Full details of our fees and how these are charged are fully explained to you prior to you committing to any particular service.

ICAS Insolvency Practitioners