Water Debt: How to Manage and Reduce Your Arrears

Managing water bill debt can be overwhelming, but taking proactive steps can help you regain control of your finances. Here are some practical tips to manage and reduce your water arrears effectively.

1. Understand Your Debt

Start by gathering all your bills and statements. Understanding the total amount owed, including any late fees or additional charges, will give you a clearer picture of your financial situation. Knowing how much you owe can help you plan your next steps.

2. Contact Your Water Company

Reach out to your water company as soon as possible. Many companies, including United Utilities, are willing to work with customers to create a repayment plan that fits their budget. Be honest about your situation and ask about options available to help you manage your debt.

3. Negotiate a Repayment Plan

When discussing your debt with your water company, propose a reasonable repayment plan based on what you can afford. Many companies prefer to receive smaller payments over time rather than push customers into further debt. Ensure that the plan is realistic and that you can stick to it.

4. Seek Support from Citizens Advice East Lancashire

If you're struggling to negotiate with your water company or need guidance on managing your debt, Citizens Advice East Lancashire can provide support. Our trained advisors can assist you in understanding your rights and help you navigate the process of setting up repayment plans.

5. Explore the United Utilities Trust Fund

If you’re facing significant financial hardship or struggling to pay your water bills, United Utilities Trust Fund may offer assistance. They provide grants to help those in financial distress, which do not need to be repaid. Additionally, the Trust Fund can assist with essential items like white goods, limited to one item per applicant.

For more information on eligibility and the application process, visit our blog about the United Utilities Trust Fund: Exploring United Utilities Trust Fund.

6. Look for Additional Resources

Various charities and organisations provide support for those facing financial difficulties. Research local options available in your area, which might offer further assistance for managing debts or utility bills.

By taking these steps and seeking help, you can manage your water bill debt effectively and work towards a more stable financial situation.

Contact Us for Help

If you have questions about managing your water debt or need assistance with your water bill, Citizens Advice East Lancashire is here for you. We can provide guidance on negotiating repayment plans and help you explore available support options.

United Utilities customers can also benefit from the United Utilities Trust Fund, which offers financial assistance to those struggling to pay their water bills. Let us assist you in finding the right support.

You can email us at waterproject@cael.org.uk or visit our website for more information: www.cael.org.uk.