![]() ![]() If you keep the goods in your home or you’ve paid back more than a third of the cost, the creditor has to go to court to do this. This might be a priority debt because the creditor could take back the goods you bought. If you’re not sure if you bought something on hire purchase or conditional sale, check your contract. If you buy something on hire purchase or conditional sale, you pay for it in instalments and you don’t own it until you finish paying. If you don’t go to court when asked or don’t do what the court tells you to, you could be sent to prison.įind out how to deal with overpayments of tax credits Payments for goods bought on hire purchase or conditional sale If you have the money but choose not to pay back a tax credits overpayment, HMRC can take you to court. HMRC will warn you if they’re going to do this but they don’t have to go to court first. take the money from your benefits or tax credits.This is a priority debt because if you don’t pay, HMRC can: HM Revenue and Customs (HMRC) will tell you if you’ve been overpaid tax credits. speeding or breaking other rules while drivingįind out how to deal with court fines.You might get a court fine if you commit a crime, for example: You won’t go to prison if you can show you can’t pay. These are priority debts because you could be sent to prison if you have the money but choose not to pay. You won’t go to prison if you can show you can’t pay.įind out how to deal with court fines. If you have the money but choose not to pay a court fine, you could be sent to prison. Check if you need a TV licence on the TV Licensing website. This is a priority debt because you could be fined by the magistrate’s court if you watch TV without a licence. If it’s really important for you to use a phone or the internet, tell your supplier when you contact them.įind out how to deal with your unpaid phone or internet bills. Have a disability or long-term health condition You might, for example, rely on them because you: They're only priority debts if it’s really important that you can use a phone or the internet. These might be priority debts because your supplier can cut off your phone or internet if you don’t pay. Check what to do if you can’t afford to top up your prepayment meter. If you’ve got a prepayment meter and you don’t top it up, your energy supply might stop. Check what to do if you’ve been told your energy supply will be disconnected. You should still arrange to pay your supplier what you owe them - this protects you from being disconnected in the future. For example, if your income has been affected by long-term symptoms. If you’ve missed payments because of coronavirus, you should explain this to your supplier. ![]() Check what help you can get if you’re struggling to pay your energy bills. If the debt is with your current supplier it’s a priority because they might cut off your gas or electricity if you don’t pay. You won’t go to prison if you can show you can’t pay.įind out how to deal with your council tax arrears. If you have the money but choose not to pay when the magistrate’s court tells you to, you could go to prison. This is a priority debt because your local council might take you to the magistrate’s court if you don’t pay. If you don’t leave by the date on the possession order, your bank or building society can ask the court to set a date for your eviction.įind out how to deal with your mortgage arrears. These are priority debts because your bank or building society might evict you and take your home if you don’t pay.īefore they can evict you, they’ll need to go to court to get a ‘possession order’ - this says when you have to leave. if your landlord is a housing association or the local council.If you don’t leave by the date on the possession order, your landlord can ask the court to set a date for your eviction.įind out how to deal with your rent arrears: This is a priority debt because your landlord might evict you from your home if you don’t pay.īefore your landlord can evict you, they’ll need to go to court to get a ‘possession order’ - this says when you have to leave. If you've got any of these, they're your priority debts: Rent arrears You have more than 1 priority debt and you need help deciding which to deal with first You’re struggling to deal with your priority debts Identify and deal with your priority debts Make sure you’ve collected together information about all of your debts. You need to work out which of your debts are priority debts and deal with them first. 'Priority debts' are debts that can cause you particularly serious problems if you don’t do anything about them. ![]()
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