Payplan
Freephone (including all mobiles) 0800 280 2816 Mon to Fri 8am–8pm Sat 9am–3pm
  • Debt Solutions
    • IVA (Individual Voluntary Arrangement)
    • DMP (Debt Management Plan)
    • Self-Employed IVA
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    • DAS (Debt Arrangement Scheme)
    • Administration Order
    • Sequestration
    • Bankruptcy
    • MAP (Minimal Asset Process)
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  • Free Debt Advice
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  • Why Choose PayPlan?
    • An IVA with PayPlan
    • A DMP with PayPlan
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FREE DEBT ADVICE

Welcome to one of the UK’s leading
free debt advice providers

Get help over the phone or online 24/7, whichever works best for you

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Visit our Coronavirus hub for the latest information on the financial help & support available, or get debt help online

FREE DEBT HELP AND FREE DEBT MANAGEMENT PLANS

As one of the UK’s leading free debt advice providers, we offer trusted, expert help & advice to anyone struggling with multiple debts. Since 1992, we've helped over 1 million people take control of their finances.

We offer:

  • FREE Debt Management Plans
  • IVAs - write off up to 80% of your debt
  • Trust Deeds for Scottish clients
  • Bankruptcy advice

Debt Solutions

To find out the options available to you, call one of our friendly advisers on 0800 280 2816 for a confidential, reassuring chat or complete our online form.

Debt Advice

We can help with advice on bailiffs, legal action, benefits and more. You’ll find all the information you need by visiting our online advice section or live chat us now.

Find my debt solution

Do you have more than one debt and need a solution?

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Good news!
Based on the information you've provided, we believe we can offer you a solution that will reduce the amount you're paying to your creditors, and it may be possible to write-off some of your debt.

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GET FREE DEBT HELP

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HOW WE CAN HELP:

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GET FREE HELP ONLINE

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Are you self-employed? Get help from our Specialist team today

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Debt Advice Provider of the Year

CCS Awards 2019



Personal Debt Solution Provider of the Year

TRI Awards 2019

DEBT ADVICE TOPICS

Get instant advice on our most frequently asked questions with all the contact details & additional help you’ll need.

Bailiffs

If you’ve got bailiffs at your door, do you know your rights? Find out what they can - and can’t do, here.

Learn more

Default Notice

A default notice might seem scary but don’t panic. Get advice on dealing with your creditors now.

Learn more

Repossession & Eviction

If your home is at risk, it’s important to act fast. Follow these steps to find out how to keep it safe.

Learn more

Rent Arrears

Read our step-by-step guide to dealing with your landlord and how to prioritise your rent payments.

Learn more


View more debt advice topics
We’re one of a number of organisations that provide free debt advice. If you’d like more information on other sources of free debt help and advice you can visit the Money Advice Service. It's an independent service, set up by the government to help people make the most of their money.
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How are PayPlan Funded?

We receive donations from the credit industry. Our debt advice and debt management plans are 100% free.

Get free debt help

70,000

Over 70,000 people used our digital debt solution tool in 2019

112,276

In 2019, we helped 112,276 people who came to us for debt advice

100% Free

Our advice is 100% free, impartial and regulated by the FCA

£180,000,000

Last year, we distributed £180 million to creditors on behalf of our clients

We’re one of a number of organisations that provide free debt advice. If you’d like more information on other sources of free debt help and advice you can visit the Money Advice Service. It's an independent service, set up by the government to help people make the most of their money.

Meet the team who make it happen

Meet the team who make it happen

It’s our people that make us who we are – and we’re proud to say that some of our team have been with us right from the very start.

If 2020 has taught us anything, it’s that we’re really good at adapting the way we work. We found new ways to help the growing number of people who need it - come and say hi on Live Chat, WhatsApp and Video chat!

Watch our video to find out what helping others means to us. Whether you need a virtual hug, a shoulder-squeeze or some straight-talking advice, we’re on hand to offer support that goes beyond just debt solutions.

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Debt Solutions
  • Debt Management Plan (DMP)
  • IVA (Individual Voluntary Arrangement)
  • Self-Employed IVA
  • Bankruptcy
  • Debt Settlements
  • Debt Consolidation Loans
  • Administration Orders
  • DIY Debt Plan
PayPlan Scotland
  • Trust Deeds
  • DAS (Debt Arrangement Scheme)
  • Sequestration
Debt Information
  • Credit score and debts
  • Dealing with Bailiffs
  • Debt glossary
  • House Repossession Advice
  • Payday loan debt help
  • Default notices
More Reading
  • Accessibility
  • Legal/Complaints/ Privacy Policies
  • Debt Questions
  • Media Centre

PayPlan is a trading name of Totemic Limited. Totemic Limited is a limited company registered in England, Company Number: 2789854. Registered Office: Kempton House, Dysart Road, PO Box 9562, Grantham, NG31 0EA. Totemic Limited is authorised and regulated by the Financial Conduct Authority. Financial Conduct Authority Number: 681263. Totemic, the Totemic logo, PayPlan and the PayPlan Logo are all trademarks of Totemic Limited.

Totemic Limited refers customers to PayPlan Partnership and PayPlan Bespoke Solutions for Individual Voluntary Arrangements:

PayPlan Partnership Limited is a limited company registered in England, Register No: 7199691 Registered offices: Kempton House, Dysart Road, PO Box 9562, Grantham, Lincolnshire, NG31 0EA. Licensed Insolvency Practitioners: NT Payne ACA FCCA MIPA MABRP Licensed by Insolvency Practitioners Association (UK). A P Smith MAAT MIPA MABRP Licensed by Insolvency Practitioners Association (UK). PayPlan and the PayPlan logo are trademarks of Totemic Limited.

PayPlan Bespoke Solutions Limited is a limited company registered in England, Register No: 7079646 Registered offices: Kempton House, Dysart Road, PO Box 9562, Grantham, Lincolnshire, NG31 0EA. Licensed Insolvency Practitioner: NT Payne ACA FCCA MIPA MABRP Licensed by Insolvency Practitioners Association (UK).

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