@Jules – if you’re in severe financial crisis, you CAN ask for the interest to be frozen, too. Banks are drawing a harder line on this at the moment (otherwise everyone would do it and they’d not earn any money at all!). However, if you need to do this, and your credit card provider/bank aren’t being useful, get Stepchange or the National Debtline on board. They’re charities offering a free advocacy service – they’ll help you get your interest frozen, as well as help you set up repayment plans later on, if you need.
@Hannah – you can contact your utility company to ask for a deferred payment if you’re in severe crisis right now. You could also ask to reduce your monthly direct debit (so that you’re paying SOMETHING towards the bill now) and create a repayment plan with them, if you prefer. If you’re on a pre-payment meter, your supply WON’T be cut off even if you go beyond the debt amount on the meter – the Govt has confirmed this with all suppliers. The same *should* apply to all supplies on a direct debit system, too – if you’re struggling, talk to your provider. There are also funds like the EON Hardship Fund which may help you pay something towards your bill (or write off bill debt altogether) if you’re in dire straits.