Dealing with non-priority debts

Non-priority debts do not have the power to take more serious action against you, like evicting you from your home or sending you to prison.

You might feel that a non-priority debt is more urgent to you, but to avoid losing vital goods and services it is important you deal with debts in order of their priority.

Non-priority debts include:

  • credit cards
  • personal loans with finance companies (if not secured on property)
  • bank/building society loans and overdrafts
  • charge cards
  • catalogues/mail order
  • personal debts to friends and family
  • doorstep and payday loans

Let your creditors know you are having difficulties, use the sample letter in our page on how to contact your creditors. You can ask for a temporary hold on recovery and interest being charged whilst you make your financial statement and choose an option to deal with your debts.