Case Study – Luke

Written by PayPlan on 1 February 2018

Luke (44) had around £14,500 worth of debt when he first came to PayPlan in 2010.

Luke was in full-time employment, but his partner had a long term illness, which required both financial and emotional support.

Although after some time she was able to start working again, they had already accumulated debt. After a few years, the relationship broke down and they went their separate ways.

However, all the debts were in Luke’s name.

He said: ‘I don’t begrudge her, I don’t think badly of it, and honestly good luck to her!’

At the time, Luke was a full-time care worker and in order to supplement his living costs he was regularly using his credit card.

He said: ‘This went on for a couple of years until, I basically had a breakdown. I couldn’t cope with it all. So I took some advice from a friend and found PayPlan’s name.’

Once he contacted us, our advisers talked through Luke’s situation with him and based on his circumstances assessed that a DMP (debt management plan) was best for him.

After a few years in a DMP, Luke began to suffer with mental health issues and had to take time off work sick. As a result of this, he had to stop paying his DMP for a year.

He said: ‘I was just in a completely bad place. One day I just thought, I’ve got to get it sorted. It’s my debt and I have to deal with it.’

He decided to contact his creditors and PayPlan to explain the situation, and began paying into his plan again. He said: ‘That started my recovery, when I actually sat down and acknowledged everything.’

‘The help I received from yourselves [PayPlan] was amazing’

During this time his financial situation had changed. He now had a job with a higher wage so was able to repay more each month without pressure.

Luke explained if he was going to give anyone any advice it would be:

‘Just do it. There is always going to be a way out. Yes, it’s going to be hard for a few years but work with the system.’

Talking through his story, he told me he was on his day off from work and he was enjoying sitting in a coffee shop reading a new book – and didn’t owe anyone a penny!

He added: ‘It’s such a sense of relief and accomplishment! My life has turned around since doing this’

‘I still sing your praises to this day. I truly am living again!’

If you or someone you know is worrying about money and wants to talk to someone, PayPlan offer free no obligation debt advice. So give us a call today on 0800 716 239 to chat to one of our advisers or visit

Filed under Client Stories

This article was checked and deemed to be correct as at the above publication date, but please be aware that some things may have changed between then and now. So please don't rely on any of this information as a statement of fact, especially if the article was published some time ago.