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Help to Repay Campaign

We’ve led a coalition of charities calling for a Help to Repay scheme for energy arrears.

Campaign progress

High energy prices have had a significant impact on low-income households and energy debt is at a record high. That’s why we’ve been campaigning for a Help to Repay scheme, to offer households help to reduce their energy debt through repayment matching and debt relief.

We are pleased that Ofgem is consulting on proposals to introduce such a scheme in 2025.  This could provide vital support to people trapped in energy debt. We look forward to working with Ofgem, energy suppliers and others to make the scheme a reality.

Read our response to Ofgem’s announcement

The impact of high energy bills

  • One in four people with energy debts are currently unable to repay
  • An estimated 6.4 million (12%) UK adults are behind on their energy bills – up by 824,000 since April 2023.
  • More than one in five, an estimated 11.6 million UK adults, say they have cut back on food and other essentials to meet their energy costs.
  • 4.7 million people have sold personal possessions to pay their energy bills.
Find out more

Letter to the Chancellor

We’ve written to the Chancellor, with the support of 13 other charities and organisations, highlighting our concerns about the impact of high energy costs on the people we help and urging the Government to announce funding for a Help to Repay scheme to help provide safe routes out of debt for people facing unaffordable arrears.

Read our letter in full

How would a Help to Repay scheme work?

Our Autumn Statement submission sets out more detail on why a Help to Repay scheme is needed, how it could work and the benefits this would bring.  

Find out more

Under Pressure: Tracking the impact of the high cost of living

Our Under Pressure briefing  is the third in a series on the cost of living, and highlights the impact high costs – including energy bills – are having on UK households and our clients at National Debtline.

Find out more

National Debtline

If you’re experiencing financial difficulty, our advisers can help. Contact National Debtline today for free, impartial advice.

Call: 0808 808 4000 or visit nationaldebtline.org

Get in touch

If you are a charity or organisation working in this space and would like to join our campaign, contact our Senior Influencing Manager Grace Brownfield at grace.brownfield@moneyadvicetrust.org.

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