FREE DEBT ADVICE
NO HIDDEN FEES
NON JUDGEMENTAL

FREE DEBT ADVICE AND FREE DEBT MANAGEMENT PLANS

At PayPlan we understand the impact that debt can have on you, your family and your life. But, unlike other debt management companies, we believe that you can, and should, live a happy life whilst repaying your debt.

We’ve spent over 20 years helping people like you to deal with their debts and get on with living their life. Every year, we offer comprehensive guidance on a wide range of practical, long term debt solutions to more than 80,000 people – and you could be one of them.

How can we help you?

Free confidential advice on ALL debt solutions – when you call we will talk you through every available option so YOU can choose the best fit for your lifestyle.
Reduce creditor calls – if you enter into a debt solution with Payplan or one of our associated companies, your case officer will communicate with your creditors ON YOUR BEHALF helping to relieve you of some stress and worries.
Online tracking of your debt solution – PayPlan have created an online portal where you can monitor progress for certain debt solutions online. You can also communicate easily with your case officer using this online account system.
We can put you in touch with the right people who will help you set up whatever debt solution you choose and we will assist throughout the process of finding the right debt solution
Whether you need advice on what debt solutions are available or how to create a budget that will help maximise your outgoings, we’re only a phone call away and our ears are ALWAYS READY TO LISTEN.

Do you need to find a way out of debt? Start TODAY by completing our simple debt help form.

One of our friendly advisers will call you for a quick FREE no-obligation chat about your debts and how we can help you.

Don’t face your debts alone – we’re here for you.

Helpful, understanding and honest

PayPlan have been brilliant from my first call to them. Kind, helpful, understanding and honest.
Steven - February 2015
5

Debt solutions we advise on

When you contact PayPlan we will advise on a wide range of debt solutions so you have a choice. We will check what you qualify for and recommend what solution will be the most affordable and manageable for you. Below is just some of the debt solutions we advise on.

IVA

An IVA is an agreement between you and your creditors that could see you debt free typically within five years. Benefit from frozen contractual interest and charges, affordable payments and, on average, 70% of your debt written off.*

IVA

Self-employed IVA

Self-employed IVAs allow you to pay back your debt whilst still running your business. You make affordable monthly payments to your creditors for an agreed period and at the end, providing you have kept to the agreement, your creditors will write off your debts.

Self-employed IVA

DMP

A debt management plan allows you to pay back your creditors each month at a rate you can afford. It is ideal for those who have at least £7,000 in debts and who are struggling with their current creditor agreements.

DMP

Trust deeds

Trust Deeds are the Scottish equivalent to IVAs. You pay an agreed amount - based on what you can afford each month - for an agreed period of time, usually four years, and after you will benefit from the remainder of your debts written off.

Trust Deed

View all debt solutions

View an example IVA

Did you know you could write off 70%* of your debts with an IVA, and that you could be debt free in 5 years?

An IVA is a great way to become debt free fast. If you pay what you can afford for a set period of time, your creditors will write off the rest of your debts. *In 2014 our associated company, PayPlan Partnership Limited wrote off, on average, 71.94% of debt for their IVA customers.
The example below shows you how you could benefit from an IVA.

Example unsecured debts

Debt: £20,000	Creditors: 3
was paying: £520 per month	now paying: £150 per month
Total debt written off:	£11,000

MAKING A Total saving of

55%

In this example, the IVA client was able to get 55% of their debts written off. £11,000 of the client's total debt was written off at the end of their IVA.

Your creditors will need to agree to your IVA, and monthly payments will be based on your individual circumstances. Your credit rating will be affected. Fees will be added to your IVA, but not charged additionally, and are subject to individual circumstances. Read more about what an IVA is here.

Speak to one of our qualified advisers today to see if you qualify for an IVA.

Call FREE on 0800 280 2816, or complete and submit our callback request form >>>

Apply for an IVA

Keep trading with a self-employed IVA

Did you know you could keep trading while you repay your debts?

A self-employed IVA allows you to keep in control of your business and pay reduced, affordable monthly payments towards your debt. In 2014 on average, 80% of debts were written off for PayPlan Bespoke Solutions Limited customers in a self-employed IVA.
The example and reviews below show how you could benefit from a self-employed IVA.

Making a total saving of

60%

Total debt: £30,000
Number of creditors: 4
Was paying: £940 per month
Now paying: £200 per month
Debt written off: £18,000

PayPlan cared

I was impressed with the people at Payplan and how they cared for the individuals circumstances and how they resolved any issues no matter what they were
John - January 16
5

Simple to understand

Payplan helps you solve a lot of your financial difficulties in a non stressful, simple to understand way.
Eddie - January 16
5

If you think a self-employed IVA could be right for you, contact PayPlan.

You can call us FREE on 0800 280 2816, or click or request a callback by filling in our form.

Get FREE debt advice now

Compare DMP fees

Did you know not every company charges for a DMP?

Entering into a debt management plan is a good way to regain control of your debts. We can communicate with your creditors on your behalf so you can make reduced payments that are more affordable, and the best part we do it for FREE.
Unlike some companies, we don't charge our clients fees for a DMP so every penny you pay into your plan goes on reducing your debts.

The table below lets you compare debt management companies and their DMP fees.

Debt Management Company	Initial Fee	Monthly Charge	Min/Max Monthly Fee
Payplan	FREE	FREE	FREE
National Debt Relief	Yes	15%	min £25
Clark Richards	Yes	16.9%	£39.50 - £100
Baines & Ernst	Yes	20%	£40 - £100
Gregory Pennington	No	18.5%	£38.50 - £90

If you want every penny you pay to go on reducing your debts, contact us TODAY.

Call FREE on 0800 280 2816, or complete and submit our callback request form >>>

*Charges are made by these other debt management companies for the arrangement of a Debt Management Plan (information correct as of 30th July 2014).

Get debt help today

How could a trust deed help you?

Did you know that a trust deed could help you become debt free in 4 years?

Trust deeds are the Scottish equivalent to an IVA. Your creditors will freeze contractual interest rates and charges while you pay off your debts and if you pay what you can afford for the agreed time period, they will then write off the rest of your debts.
The example below shows you an example of how a trust deed can write off your debt.

Example unsecured debts

Debt: £30,000

Creditors: 4

Was paying: £740 per month

Now paying: £250 per month

Total debt written off: £18,000

MAKING A Total saving of

60%

In this example, the client's contractual repayments to his creditors were £740 per month, and they owed a total of £30,000 in unsecured debts.

After a review of their finances, it was found that they could only afford to pay £250 per month - so their monthly debt repayments were reduced by £490 once the trust deed was protected.

At the end of their Trust Deed, 60% of their debt - which equated to £18,000 - was written-off, leaving the client debt-free.

Contact PayPlan to see if a trust deed is the right debt solution for you.

Call us FREE on 0800 280 2816, or submit our callback request form and we'll call you.

Get FREE debt advice now

To find out more about managing your money and sources of free financial advice, visit the Money Advice Service. It's an independent service, set up by the government to help people make the most of their money.

Get free debt help

1,068

The amount of people we give FREE DEBT ADVICE to, on average, each week

£138,503,021

The total amount of debt WRITTEN OFF for PayPlan Partnership Limited clients in 2015.

55,941

The amount of people we gave FREE CONFIDENTIAL DEBT ADVICE to in 2015.

£21,287

The average debt level of our clients last year, BEFORE we helped them.

What our Clients say

We work hard to ensure we give our clients the best help and advice possible. We talk them through every suitable debt solution and offer continued support and assistance for as long as they need us. As a result of our service, our clients have left us some fantastic feedback and reviews.

Helpful and reassuring

After consulting a debt help agency I was put in touch with Payplan and thereafter they arranged for me to enter into an IVA. This has been running now for several months and has worked very well for me. I had been under tremendous strain because of my debt situation and I am now able to manage my finances without the constant stress and worry which I suffered previously. Payplan explained all of the options open to me; the staff were always helpful and reassuring and guided me through the entire process. I would recommend Payplan to anyone who finds themselves in a similar situation to myself.
Sandra - April 15
5

"Excellent service- couldn't be happier"

Our customers love what we do. We have loads of great customer reviews submitted impartially to Trust Pilot.

Get free debt help

PayPlan Plus is changing

We have relaunched our PayPlan Plus website bringing our clients a new look that is also easier to use. Find out more about what's changed and how PayPlan Plus can benefit you.

FREE DEBT ADVICE AND FREE DEBT MANAGEMENT PLANS

How can we help you?

We're here to help

Helpful, understanding and honest

IVA

Self-employed IVA

DMP

Trust deeds

Example unsecured debts

MAKING A Total saving of

Making a total saving of

PayPlan cared

Simple to understand

Example unsecured debts

MAKING A Total saving of

Helpful and reassuring

PayPlan Plus is changing

Join us

Debt Solutions

PayPlan Scotland

Debt Information

Avoid Repossession

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