The final cut

Article Abstract:

Utility companies have different approaches when dealing with customers who are in debt to them. British Gas cut the supply off from 14,000 customers in 1995 and British Telecom disconnected more than 500,000 people in 1996. Utility companies should contact customers before their supply is cut off, offer different ways of paying, keep extra charges as low as possible, and use forced entry only as a last resort. Utility regulators should respond to incidences of bad practice.

Electric, Gas & Water Utilities, Utilities, ELECTRIC, GAS, AND SANITARY SERVICES, Electric utilities, Water utilities, British Telecommunications PLC, Public utilities, Centrica PLC

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Dealing with debts

Article Abstract:

A case study is presented of how a single parent, with two children, can pay off accumulated debts of over 3,500 pounds sterling. Advice is given on the control of debt and on the management of income to prioritize spending.

Income

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Best ways to borrow

Article Abstract:

Issues are presented concerning the different methods which can be used to finance debt. The use of overdrafts, credit cards, secured and personal loans are discussed. The costs of borrowing are compared.

Evaluation, Credit, Loans

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