|
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 |
|
|
|