Category Archives: Client Testimonials

  • Case Study – Diane

    Written by PayPlan

    Diane (39) reached out to PayPlan for debt help in 2014. Between herself and her husband they found themselves with £45,000 worth of debt. Diane and her partner were applying for adoption. During the process it was explained to them that they wouldn’t be accepted as adoptive parents unless they…

  • Case Study – Katie

    Written by PayPlan

    Katie (30) reached out to PayPlan when she was 25 years old, and had £12,000 worth of debt. Katie went to university and when she graduated had a student overdraft of £2,000 as well as a credit card. At the time, she was living in Leeds and after a relationship…

  • Case Study – Richard

    Written by PayPlan

    Richard (38) reached out to PayPlan in 2008 with £15,000 of debt. The company that Richard was working for at the time were unreliable at paying wages. They would sometimes pay employees less one month and more the month after to make up for it. The unreliability of his wages…

  • Case Study – Scott

    Written by PayPlan

    Scott (32) came to PayPlan 5 years ago with £6,000 worth of debt. The majority of his debts were with credit cards, payday loans and catalogues. At the time, he was also in a relationship with someone who was constantly borrowing money from him, and this made it even more…

  • Case Study – Luke

    Written by PayPlan

    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…

  • Client Case Study – Dave

    Written by PayPlan

    Dave (49) owed about £55,000 worth of debt to creditors when he reached out to PayPlan for help, over 10 years ago.

  • Caring for the Carers

    Written by Niall Davison

      When Martin’s mother became ill in 2013 he took some time off work to care for her. He’d worked for the same motor dealers for 25 years but despite this, Martin lost his job because of the amount of time he’d taken off and it was being unemployed that…

  • Worrying problem of elderly in debt

    Written by Payplan Ryan

    When Judith (72) looks back on the amount of debt she was in she can’t pinpoint the exact reasons why she owed so much.“It was nothing in particular, no splashing out on a car or anything like that,” she said. “I worked for Lloyds Bank for 30 years and when…

  • Supporting Armed Forces’ veterans

    Written by Payplan Ryan

     Royal Marine veteran John (64) served his country for 30 years and rose up the ranks to Warrant Officer Class 1. He saw service in Cyprus, Bosnia and both Gulf Wars and was awarded the Queen’s Gallantry Medal for action during the Falklands’ War.John doesn’t like to talk about the…

  • Client Case Study – Mary

    Written by Niall Davison

    By the time Mary (57), a Sales Administrator who lives near Canterbury, contacted Payplan in 2003 she and her husband were £95,000 in debt.   “It still frightens me to actually see it written down,” said Mary. “We had eight credit cards; some were joint cards and I had two…

  • Client Case Study – Eric

    Written by Niall Davison

    Eric (59) used to work as a manager for a large DIY store in the North East until he had a major accident in 1991, when he broke his neck and his back. From being fit and healthy and earning a decent wage he found himself permanently disabled and living…

  • Client Case Study – Michael

    Written by Niall Davison

    Michael (41), a Care Manager for Social Services, found his debts mounting after taking out a large loan for the purchase of a caravan.   “I had credit cards and other bills to pay but once I took out the loan, the repayments took away all the spare money I…

  • Client Case Study – Harry

    Written by

    Harry (42), an account manager from Northampton, started gambling when he was 18 but his addiction took hold when he hit his 30s.“I started out on pub fruit machines but then I moved on to the gambling machines in the Bookmakers,” said Harry. “One day I lost £300 and I drove…

  • Client Case Study – Simon

    Written by

    During Simon’s first marriage he admits to living beyond his means, spending money on holidays and maintaining their lifestyle.  By the time he and his wife split up Simon, (42) from Derby, was left with a debt of £30,000, an amount he found difficult to deal with on his Civil…

  • Mark Haddock – Client Case Study

    Written by

    When Mark’s ex-wife left she took with her his 10 credit cards and ran them all up to their limits, leaving him with a debt of £64,000.“I tried to cancel the cards but the banks told me they could only do that if I physically handed them over,” said Mark…

  • Errol Barker – Client Case Study

    Written by

    Errol Barker (51) is an HGV lorry driver from Clacton-on-Sea.  He was earning a good wage while working in London but when his wife Angelina became ill with depression he had to give it up and take a job nearer home at a much-reduced salary.With a mortgage to pay, two…

  • Client Case Study – Janice

    Written by PayPlan

    Janice* (43) works in sales and found herself in debt after relying on credit cards to fund her lifestyle.  She previously worked in London, was earning a good wage but admits getting credit was “far too easy.”“I ended up with five cards in total,” she said.  “I’d transfer the balance…

  • Craig’s Story

    Written by

    Craig Collins, from Leicester, found his debts increasing after being made redundant.  Now on a Debt Management Plan with PayPlan, he’s getting to grips with what he owes.  Read his story below.After graduating from university Craig (42) worked in the licence trade for 18 years before being made redundant.He soon…

  • Client Testimonial – George

    Written by

    Sixty-three year old *George got into financial difficulty when the recession hit.After a long career as a lorry driver spanning four decades, George decided to set up on his own business in 2003. He purchased a brand new van and travelled all over the country for different haulage companies.But when…

  • This is my story – John Putland

    Written by Tracey Davies

     I only got into financial difficulties when my relationship broke down and I had to take on more credit to make ends meet.I wasn’t happy in my relationship and I just turned to my credit cards for comfort. I got into the habit of just buying whatever I wanted on…