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Welcome to PayPlan
We understand that the recent cost of living increases will be putting a strain on your finances.
PayPlan help with contacting people you owe money to and arranging lower payments to make things more affordable.
Choose how you'd like to speak to us and begin your journey today.
All our information is 100% free, confidential and no-obligation
Having debts is a lot more common than you might think, and it’s easier to fix than you might think too. Our debt advice service works in three simple steps – by the time you’re done, you’ll have a clear-cut plan to get your finances back in a good place.
You can speak to us via Live Chat, WhatsApp or telephone, whichever works best for you.
Make a new, simple budget that shows you what you're spending on each month.
Using your new budget, we’ll give you a solution that helps you deal with your debts.
Keep your business running smoothly by learning about Bounce Back Loans, debt solutions and a host of other self-employed guides and tips.
Need help managing your money? Find everything from in-depth budgeting guides to quick money-saving tips on our Financial Wellbeing hub.
Breathing Space gives you a 60-day break from creditor contact, and freezes fees, charges and court action against you.
PayPlan advise on a wide range of debt solutions, and recommend the best one for you.
Self-employed IVAs allow you to pay back your debt whilst still running your business.
A debt management plan allows you to pay back your creditors each month at a rate you can afford.
DMP AdviceTrust Deeds are the Scottish equivalent to IVAs. You pay an agreed amount - based on what you can afford each month.
Trust Deed Advice