Can I speak to someone via WhatsApp or online chat?
Yes. We offer support via WhatsApp or live chat for your convenience. You’ll receive the same expert advice, just in a way that suits your schedule and preferred communication style.
How often do I need to check in or update you on my situation?
In a managed solution, like an IVA or a DMP, we’ll check in with you every year. If your circumstances change at any time, please let us know though, so we can ensure your plan still works for you.
How quickly can a plan be set up?
We often get things moving quickly, with some solutions set up within days. More complex solutions, like an IVA, can take longer due to legal processes, but we’ll guide you every step of the way.
What information do I need to provide for debt advice?
To give you the best advice, we’ll need some basic details like your income, regular expenses and a list of your debts. Recent bank statements or letters from creditors can be helpful but aren’t essential at first.
How do I start getting help from PayPlan?
It’s really simple. Just reach out to us by phone, online chat or WhatsApp. We’ll discuss your situation and guide you through your options. There’s no pressure, and you’re free to decide how you’d like to proceed.
Can creditors still contact me once I start a plan?
Once you’re in a debt solution, your creditors should stop contacting you directly. For some solutions (like DMPs), creditors may still reach out, but they should respect the terms of your plan if you’re meeting your repayment offers.
Can PayPlan stop bailiffs or court action?
If you’re facing bailiff action or court proceedings, it’s essential to contact us right away. We can work with you to explore what can be done to resolve the situation.
Will PayPlan contact my creditors for me?
Yes, if you’re suitable for a managed solution and decide to go ahead. In this case, we’ll only share the information you agree to.
Can PayPlan help if I live in Scotland, Northern Ireland or abroad?
Yes, we can offer advice to anyone with UK-based debt, no matter where you live. However, some solutions may vary depending on your location, as laws and options differ by region.
Is PayPlans service confidential? Will anyone else find out I’ve contacted them?
Absolutely. Your privacy is important to us and everything you share with us is completely confidential. We won’t share your information without your permission and your creditors won’t know you’ve contacted us unless you choose to inform them – or give us your permission to do so.