Energy debt, arrears and ECO4: questions UK households ask (guide 2026)

Guide by ApplyFreeBoiler.uk (Reliant Energy Solutions Ltd), a heating and insulation installer in Bury, Greater Manchester. We are not the government, Ofgem or an energy supplier.

Being behind on energy bills is stressful, and many households worry it will stop them getting help with heating or insulation. This guide covers questions households commonly ask. It is general information from ApplyFreeBoiler.uk, a heating and insulation installer in Bury, not debt or legal advice. What is possible depends on the survey and the scheme rules at the time. This page does not guarantee funding.

1. Talk to your supplier

Energy suppliers are expected to help customers who are struggling to pay. Contact them to discuss a payment plan you can afford.

2. Ask how arrears affect an application

Ask the installer or scheme contact early how the scheme rules treat a household that is behind on bills, rather than guessing.

3. Prepayment meters

If you have a prepayment meter, keep it topped up before install day so the new heating can be tested. Tell the installer about the meter when you book.

4. Free debt advice

Citizens Advice, StepChange, National Debtline and your council's money advice team give free, confidential help with energy debt.

5. Supplier support funds

Some suppliers run hardship funds or grants for customers in debt. Ask your supplier or an advice service what is available to you.

6. Priority Services Register

If you are older, disabled, have young children or a medical condition, ask your supplier and network operator to add you to the Priority Services Register.

7. Keep records

Write down who you spoke to, when and what was agreed, and keep copies of letters and bills in one place.

8. Check funding and local figures

See ECO measures by council on ApplyFreeBoiler.uk, built from DESNZ Household Energy Efficiency statistics, to see how many ECO measures have been installed in your local authority area. Use the ApplyFreeBoiler.uk eligibility check to see whether an ECO4 heating or insulation pathway may be available for your home in England, Scotland or Wales. ECO4 is due to close on 31 December 2026.