Priority & Non-priority debt list

Debt Type Priority or Non-priority Consequence of non-payment
Bank loan Non-priority County Court Judgement (CCJ)
Benefit overpayment Non-priority (unless DEA) Deductions from benefits / wages
Catalogue debt Non-priority CCJ
Consolidation loan Non-priority (unless secured) CCJ
Council tax (current year) Priority Loss of goods / imprisonment
Council tax (previous year) Priority Loss of goods / imprisonment
Credit/charge card Non-priority CCJ
Electricity arrears       Priority (unless previous supplier) Disconnection
Gas arrears   Priority (unless previous supplier) Disconnection
Hire Purchase / Conditional sale Priority Loss of goods
Income tax / National Insurance Priority Loss of goods / imprisonment
Internet / Tv Package Non-priority CCJ
Loan from family member      Either priority or non-priority Breakdown in relationship / CCJ
Magistrates court fines      Priority Loss of goods / imprisonment
Maintenance / CSA arrears Priority Loss of goods / imprisonment
Mortgage arrears Priority Loss of home
Mortgage shortfall Non-priority CCJ
Parking charges/ fixed penalty notices Either priority or non-priority Priority if enforced by Magistrates Court
Non-priority if enforced by County Court
Payday loan Non-priority CCJ
Rent arrears (current property) Priority Loss of home
Rent arrears (possession order) Priority Loss of home
Rent arrears (previous property) Non-priority CCJ
Secured loan Priority Loss of home
Social fund loan Non-priority Deductions from benefits / wages
Store card Non-priority CCJ
Tax credit overpayment Non-priority Deductions from benefits / wages
Telephone (Landline & Mobile) Non-priority (priority if essential) Disconnection
TV Licence Priority Fine
Unsecured loan Non-priority CCJ
Water arrears Non-priority CCJ
   


 

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