Reasons for debt

At PayPlan we understand that debt is a big part of many people’s lives, which is why we will help without ever judging anyone who contacts us. Unmanageable debts can occur for many different reasons…


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The level of consumer debt in Britain has reached a staggering £1.424 trillion (as of April 2013*). There has always been a stigma attached to those who are in debt, with the feeling that the debtors have knowingly overspent and lived beyond their means. This is true in very few cases and debts can be caused by circumstances that are out of the individual’s control, which could include:

Personal circumstance

Economic reasons

Other reasons

For immediate debt advice please call PayPlan free on 0800 280 2816 or use our Debt Help Form to submit your debt problem online.

*Source: http://themoneycharity.org.uk/