We do have a few eligibility criteria: ~You must live in Suffolk ~You must be over 18 ~If you have a County Court Judgement (CCJ) you must provide evidence you are addressing it ~It has been longer than 3 years since you were discharged from your bankruptcy or completed a DRO ~It has been longer than 2 years since you completed an Individual Voluntary Agreement (IVA) / or debt management plan. Please Note: We are only able to lend two 0% Oil Loans per household.