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Anglian Water Debt – Must You Pay?

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Scott Nelson

Managing Director

MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.

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Janine
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Janine Marsh

Financial Expert

Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.

Learn more about Janine
· Feb 6th, 2024
Could you legally write off some debt? Answer below to get started.

Total amount of debt?

This isn’t a full fact find, MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

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Anglian Water Debt

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

Have you received a surprise letter from a debt collector about Anglian Water debt? Are you wondering if you should pay it?

You are not alone. Every month, over 170,000 people visit our site seeking advice on debt issues. We know how it feels to get such letters, and we are here to help. 

In this friendly guide, we’ll explain:

  •  How to check if the Anglian Water debt is truly yours.
  •  What happens if you have Anglian Water debt.
  •  If Anglian Water can stop your water supply.
  •  Ways to reduce or even clear some of your Anglian Water debt.
  •  What you should do if you have Anglian Water debt.

We understand your worries about unexpected debts. Sometimes, you might not even know where the debt has come from. We will help you to figure out your options. 

Could you legally write off some debt?

There are several debt solutions in the UK, choosing the right one for you could write off some of your unaffordable debt, but the wrong one may be expensive and drawn out.

Answer below to get started.

How much debt do you have?

This isn’t a full fact find. MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

What happens if you have Anglian Water debt? 

Depending on how you pay your water bill, it can be easy to miss a payment accidentally. You may get a notice that it’s due every few months but then forget to settle your account. But what happens in such an instance? Anglia Water, like many utility companies, follows a fairly common set of procedures when it comes to debt: 

  • First, they’ll send a reminder notice letting you know that you’ve missed your payment. There might be a few of these, depending on the situation. 
  • Next, they’ll send a final reminder, which usually gives you seven days to pay. 
  • They may also phone you during these times to try and arrange a payment or assess your situation. 
  • If you don’t get in touch or make a payment, your account will default. Effectively this means it’s closed and will impact your credit score. 
  • At this stage, they may pass your Anglia Water debt to a debt collection agency. They will then start hounding you for the money. 
  • As a last resort, Anglia Water may try and take you to court by issuing a County Court Judgement to recover the money. This could result in a visit from the bailiffs. 

Clearly, this process can escalate fairly quickly, especially if you start to ignore Anglia Water. 

What should I do if I have Anglia Water Debt? 

So, if you have Anglia Water debt and you aren’t sure what to do about it, where should you turn? It can be an agonising position to be in, but there are some positive steps you can take to help resolve the situation:

Follow my ‘prove it’ guide with letter templates and get them to prove that you owe the money.

Don’t ignore them 

So many people simply try to ignore their debts and hope that they go away. It can seem like the appealing thing to do, but in reality, it’s not going to solve anything. Ignoring Anglia Water will mean that they keep trying to contact you about your debt. What’s more, they’ll eventually pass your account on to a debt collector, who will try even harder to get you to pay. 

Figure out your finances

If you’re struggling with Anglia Water debt, you’ll want to figure out what your financial position is. Although you may not be able to pay the full amount you owe straight away, you might be able to work out how much spare cash you have each month. This gives you an idea of what you’ll be able to afford going forward, which comes in useful. 

Get in touch 

Whether you think you might miss a payment or you’ve already missed several, you should always get in touch with the utility company you owe money to. Anglia Water has an extra care service that helps those who are in a difficult financial position. They have a specialised team who can help you find a solution to paying your water bill. 

» TAKE ACTION NOW: Fill out the short debt form

Can Anglia Water disconnect my supply?

People often wonder whether their water company can disconnect the water to their house if they don’t pay. While this might have been the case in years gone by, it no longer is.

Domestic customers (those who aren’t businesses) cannot have their supply restricted or disconnected if they owe money on their account. 

How a debt solution could help

Some debt solutions can:

  1. Stop nasty calls from creditors
  2. Freeze interest and charges
  3. Reduce your monthly payments

A few debt solutions can even result in writing off some of your debt.

Here’s an example:


Situation

Monthly income £2,504
Monthly expenses £2,345
Total debt £32,049

Monthly debt repayments

Before £587
After £158

£429 reduction in monthly payments

If you want to learn what debt solutions are available to you, click the button below to get started.

Get Started

What options do I have for help? 

Anglia Water offers several forms of help when it comes to paying your water bill. These will generally be tailored specifically to you, but only if you get in touch with Anglia Water to discuss the matter. Some of the options available include: 

Discounted tariffs 

Those on a lower household income may be eligible for a lower tariff. This option is useful for those who have a water meter and pay measured charges. 

Payment plans 

Essentially, this type of help allows you to pay back what you’re able to afford over a timescale that works for you. So, rather than pay a lump sum every few months, you might be able to pay small amounts each week, fortnight or month. If you receive benefits, you might be eligible to have payment taken directly from these. 

Payment pause 

If things are really difficult, you might be allowed to pause payments for a brief period of time. This doesn’t mean that your bill goes away, but it gives you some breathing space to get things back on track.

Assistance fund

Anglia Water has an emergency fund for those who are most in need. So, if you’re struggling with money and simply cannot afford to pay your bill, there is a chance that the utility company can cover some of the cost. 

Will my water bill affect my credit score?

Your utility bill doesn’t usually appear on your credit report. This does depend on your provider, as some companies can elect to report to credit reference agencies.

However, missed payments will usually end up on your credit file and will stay visible for 6 years. If you continue missing payments and don’t make any move to repay some of your debt, your water company may choose to seek legal action. This is usually a CCJ.

Thousands have already tackled their debt

Every day our partners, The Debt Advice Service, help people find out whether they can lower their repayments and finally tackle or write off some of their debt.

Natasha

I’d recommend this firm to anyone struggling with debt – my mind has been put to rest, all is getting sorted.

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Reviews shown are for The Debt Advice Service.

Anglian Water Debt Contact Information

Website: https://www.anglianwater.co.uk/
Post: Anglian Water, PO Box 4994, LANCING, BN11 9AL
Phone: 03457 919 155
Opening hours: Monday to Friday
8am to 8pm. 10am to 4pm Bank holidays

Saturday
8am to 4pm

Sunday
10am to 4pm (excluding WhatsApp)

Can I get help with my water bill?

If you are facing financial difficulty, you might be eligible for some relief schemes. If you are unsure if you qualify or want to find out more, you can contact Citizens Advice or National Debtline for some guidance.

WaterSure, for example, is an initiative that caps your bill if you are benefits and have to use a lot of water for medical reasons. You can also be eligible if you have several school-aged children living in your home.

Those in Wales or have Dwr Cymru as their supplier will need to look into the WaterSure Wales scheme.

You can check to see if you are eligible for alternative schemes using the CCW website or by asking your water supplier directly.

Keep Up To Date With Your Debts

It’s easy to lose track of debts, especially since the debt collection industry isn’t exactly transparent.

One important thing to look out for is your debts being passed to other collectors.

debt sold to debt collector

Sometimes, a debt collector will deem a particular debt not worth chasing, and they may sell the debt to another agency. It’s surprisingly common.

The story above is a great example where PRA Group Inc. decided a debt was no longer worth their time, so they sold it to Moorcroft Debt Recovery.

Two of the biggest names in the industry are Lowell UK and Cabot Finance, so they’re the ones you are most likely to see if it does happen to you.

I’d suggest you keep a keen eye out in your post and email for any indication that your debt has been transferred.

It’s easy to miss, especially if you’ve been used to seeing messages from one specific collector. 

Could you legally write off some debt?

Answer below to get started.

How much debt do you have?

This isn’t a full fact find, MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

The authors
Scott Nelson Profile Picture
Author
MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.
Janine Marsh Profile Picture
Debt Expert
Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.
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