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Nine million homes heading into winter in energy debt, survey suggests

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Clarke, J. (2026, October 20). Nine million homes heading into winter in energy debt, survey suggests. Evening Standard. https://www.standard.co.uk/news/uk/uswitch-citizens-advice-budget-government-b1301696.html

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Evening Standard · collected 2026-10-20 · by Josie Clarke

Quick Summary

A survey conducted by Uswitch reveals that over nine million UK households are entering winter with no energy credit or in debt to their suppliers, owing an estimated £750 million collectively. The survey also shows that 43% of respondents plan to wear extra layers instead of using heating due to financial concerns, and nearly a quarter feel helpless in the face of rising costs. Ben Gallizzi from Uswitch advises households to seek repayment plans with their suppliers and switch to fixed-rate tariffs if they are on variable rates.
Written by AI on 2026-10-21, from this article's own text only (the story summary below draws on all the coverage).

AI analysis

Story summary

As of October 2026, nine million homes are entering winter with no energy credit or in debt, according to a survey by Uswitch. This is down from nearly two-thirds (64%) of households being in credit in 2022, as only 55% are now credited this year. The average household debt stands at £220 per home for the estimated 3.4 million homes in arrears, totaling around £750 million owed to energy suppliers. Ofgem’s price cap rose by 3.6% on October 1st to £1,723 for a typical household and is forecasted to increase by an additional 22% in January. Uswitch has urged the Chancellor to provide extra "crisis support" beyond the Warm Home Discount during this winter budget period to help mitigate these financial pressures.

Written for “Energy Debt Crisis Hits Homes” on 2026-11-02, grounded in this article and the 1 other(s) covering the same event.

Story

📰 Energy Debt Crisis Hits Homes
Economy/Business · 2 article(s) covering the same event. See how they differ ↓

Compared with similar articles

This article reads leans strongly left and hedges 14% of its claims. Each row says how that neighbour differs.
Evening Standard
Hedges 3 of 21 claims Outlet record 65/100
Daily Mail
Hedges 1 of 34 claims Outlet record 68/100
“The articles discuss different aspects of the UK's economic situation and do not focus on the same specific incident or time.”
Evening Standard
Hedges 10 of 37 claims Outlet record 65/100
“The articles discuss different aspects of the energy situation in winter, one focusing on household debt and worry about paying bills, while the other addresses government plans to prevent supply shortages.”
BBC News
Hedges 2 of 21 claims Outlet record 68/100
“The articles discuss related issues regarding energy affordability but describe different aspects and sources of information.”
How this article was measured signals, leaning charts, publisher record, byline, topics and claims

Signals How these are calculated →

Claims extracted
21
sentences that state something as happening or true
Uncertain
14%
3 of 21 hedged ("reportedly", "may", "according to")
Leaning
Leans strongly left
of the writing, not the subject · beta estimate
Publisher signals
65/100
Evening Standard's corrections and hedging, across everything collected from it. Not a measure of accuracy.
Outlets on this story
2
Economy/Business
Same framing elsewhere
1
articles that frame the event the way this one does
Analyzed 2026-10-21 · how these are computed

How this is being covered How these are calculated →

Article leaning vs. publisher reliability
Source leaning vs. consistency

Publisher

Evening Standard · 8077 article(s) · 68 correction(s) detected
Running correction rate · 68 correction(s)

Who wrote this

Josie Clarke
38 article(s) here · 1 carrying a prediction
🔮 Cornwall Insight, which provides widely respected energy price forecasts, warned the savings would be “small” in relation to recent bill rises, but said it could also give the transition to heat pumps a boost. Dr Craig Lowrey, principal consultant at Cornwall Insight, said: “Scrapping the gas standing charge from as early as 2027 is a broadly progressive move that may help lower-income households who tend to use less energy.
🔮 The Debt Relief Scheme will provide targeted support to households “in genuine financial need” to clear debt and arrears built up during the energy crisis between 2022 and 2024, totalling £2.47 billion, the regulator said.
🔮 A £100 payment to help 20 million households with energy bills will “barely dent” the rise predicted for January, campaigners have warned.
🔮 Cornwall Insight, which provides widely respected energy price forecasts, warned the savings would be “small” in relation to recent bill rises, but said it could also give the transition to heat pumps a boost. Dr Craig Lowrey, principal consultant at Cornwall Insight, said: “Scrapping the gas standing charge from as early as 2027 is a broadly progressive move that may help lower-income households who tend to use less energy.
🔮 Ofgem’s energy price cap rose by 3.6% to £1,723 for a typical household on October 1, and forecasters are currently predicting a further rise of around 22% in January.
🔮 In the case of these two options, shoppers could save £423.40 a year and get a higher dose of magnesium by switching from gummies to tablets, the consumer group said.
🔮 “With the festive period now falling within the three-month window, there were significant rises in spending expectations, though concerns around inflation may also be contributing to this.”
2026-10-21 · assertive framing · Consumer confidence tumbles ahead of Budget
🔮 Ofgem’s energy price cap rose by 3.6% to £1,723 for a typical household on October 1, and forecasters are currently predicting a further rise of around 22% in January.
🔮 1.7 million households will not turn heating on this winter, survey suggests
🔮 A 4% hike to Ofgem’s energy price cap took effect from October 1 as forecasters warned household bills could soar by almost another £300 from January. Campaigners have urged the Government to make plans now to support all households with energy costs this winter because of the severity of forecast bill hikes. Cornwall Insight’s latest forecast predicts the price cap will rise by a further 16% to £1,999 a year on January 1, up by £276 on the level between October and December and the biggest rise since January 2023. The End Fuel Poverty Coalition has urged ministers to prepare an “emergency heat tariff” to cap the cost of heating this winter, with gas prices already rising 27% year on year. A poll for Uswitch suggests some 1.7 million households will not turn on their heating this winter amid fears of soaring bills and efforts to save money.
Also by Josie Clarke
Nothing else under this byline is closely related to this article, so these are simply their most recent.
All 38 articles by Josie Clarke →

Topics

Citizens Advice Ofgem Uswitch Uswitch.com

Subjects

Uswitch ORG · 2× Ben Gallizzi PERSON · 1× Citizens Advice ORG · 1× Dame Clare Moriarty PERSON · 1× Ofgem ORG · 1× Uswitch.com ORG · 1×

Narrative

Direct debits to energy firms are set up to allow households to build up credit over the summer months to cover higher bills over the winter. However just 55% of billpayers are in credit this year – down from almost two-thirds (64%) in 2022.
framing: assertive · carried by 1 article(s) · first seen 2026-10-21
🔮 Ofgem’s energy price cap rose by 3.6% to £1,723 for a typical household on October 1, and forecasters are currently predicting a further rise of around 22% in January.
2026-10-21 · Evening Standard
Nine million homes heading into winter in energy debt, survey suggests · assertive framing

Claims (21 extracted, 3 hedged)

More than nine million homes are heading in to winter in debt to their energy supplier or with no credit, a survey suggests. uncertain
survey → head → credit
Some two in five households (40%) are more worried about paying for their energy this winter than last, the poll for Uswitch found. asserted
poll → pay → Uswitch
Direct debits to energy firms are set up to allow households to build up credit over the summer months to cover higher bills over the winter. However just 55% of billpayers are in credit this year – down from almost two-thirds (64%) in 2022. asserted
% → set → 2022
Even among those in credit, only three in 10 (29%) have built up £300 or more, while the typical billpayer has between £51 and £100. asserted
billpayer → build → 51
Around 3.4 million households – nearly one in eight – are in debt to their supplier, owing an estimated £750 million, or an average of £220 each. asserted
households → owe → 220
Two-thirds of those in debt (65%) say their supplier has contacted them about how much they owe, but only around one in eight (12%) say they have been helped to arrange a repayment plan. asserted
they → say → plan
Ofgem’s energy price cap rose by 3.6% to £1,723 for a typical household on October 1, and forecasters are currently predicting a further rise of around 22% in January. asserted
forecasters → rise → January
Uswitch found that 43% of billpayers plan to wear extra layers rather than turn the heating on, and one in 12 (8%) plan to spend less on food to pay for their energy. asserted
one → find → energy
Ben Gallizzi, energy spokesman at Uswitch.com, said: “Credit is the cushion that turns a frightening winter bill into a manageable one, but for millions, building a summer buffer for the winter simply hasn’t happened. “ asserted
building → say → winter
With the price cap forecast to jump by around a quarter in January, it is no surprise that worry is climbing. asserted
worry → forecast → January
Nearly a quarter of people feel there is nothing they can do, but a few simple actions could make a huge difference. uncertain
actions → feel → difference
“If you are deeply in arrears on your energy account and not sure what to do, speak to your supplier early and ask for an affordable repayment plan. asserted
you → do → plan
Find out if you could be entitled to support. uncertain
you → find → support
Read More “If you are on a standard variable tariff, it’s not too late to act. asserted
it → read → tariff
It has called on the Chancellor to use next week’s Budget to commit to additional “crisis support” on top of the Warm Home Discount this winter, and expand help to people in receipt of child benefit and personal independence payment (Pip). asserted
It → call → benefit
The charity said this would protect disabled households and those with children who need help over the coldest months of the year but currently fall outside the means-tested benefits criteria. asserted
who → say → criteria
Citizens Advice chief executive Dame Clare Moriarty said: “Our advisers are seeing disabled workers weighed down by massive energy debts, and parents who are working but still unable to cover the costs of basics for their family. asserted
who → say → family
That’s why we’re calling for a vital two-step approach this Budget. asserted
we → ’ → approach
“First, the Government must provide immediate, expanded crisis support. asserted
Government → provide → support
Second, it must deliver on its existing commitments to upgrade leaky, cold and inefficient homes by fully funding the Warm Homes Plan. asserted
it → deliver → Plan
“The Government has promised to protect living standards, but failing to act on both these fronts risks causing immediate, avoidable hardship now and in future winters, for those who can least afford it.” asserted
who → promise → it
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