Living in Debt
6 Sep 2016
Living in Debt
22 Aug 2016
Do I need to open a new bank account?
If you’re struggling with your debts and looking at ways you can become debt free, it might have been suggested you open up a new bank account. Today's blog post looks at the bank's right to offset and whether you…
Living in Debt
20 Jul 2016
How long can my creditors chase me?
A question that I often come across from people struggling to pay their debts is "how long can my creditors chase me?" The answer is until you have paid them what you owe. However, if communication between the debtor and…
Debt Facts
13 Jul 2016
What happens to your debt when…
Some of our most common questions often centre around what will happen to debt in different scenarios. For example, what happens to debt when you die? We thought this week’s blog post would be the perfect opportunity to explain how…
Living in Debt
31 May 2016
How to Build a New Credit History
Once your IVA or debt management plan has finished, you can start your new life after debt. That might mean rebuilding your confidence in your ability to manage your money, but it should definitely include rebuilding your credit score. Here’s…
Living in Debt
16 May 2016
Helping your child with debt
Should you help your child with debt if they are struggling and if so, what support should you give them? Is financial assistance enough? Our latest blog post looks at how you can really help your child with their debt…
Industry News
7 Apr 2016
New data reveals Essex has the highest average debt in the UK
Living in Debt
5 Apr 2016
Keeping yourself debt-free as the year goes on
Was your New Year’s resolution to sort out your finances? It’s hard to believe it’s April already, but for most of us, that means our 2016 resolutions have already gone out of the window. Our latest blog post has lots…
Living in Debt
10 Mar 2016
PayPlan’s new debt tool: Diagnose Your Debt
PayPlan have launched a new debt test to see how well you are managing your money. Diagnose your Debt asks a series of questions centered around the most common debt warning signs and will use your answers to highlight how…
Living in Debt
9 Mar 2016
Don’t face debt alone: How to Talk to Your Partner about Your Debt
80% people keep their debts from their partner. We don't want you to face debt alone so Disease Called Debt wrote this post about how to tell your partner you are in debt.
Living in Debt
2 Mar 2016
Keeping healthy without breaking the bank
There’s no disputing that there are huge health benefits to be gained by eating well and living a healthy lifestyle – but what about the cost? It can often seem like the healthy options in life come with a heftier…
Living in Debt
9 Oct 2015
Looking after our Vulnerable Clients
Mel McCulloch (50) works in Helpline at PayPlan and takes calls from prospective clients who are looking for help and solutions to their debt problems Like many other PayPlan staff Mel has undergone training regarding vulnerable clients and mental health…
Living in Debt
8 Oct 2015
Extra help and support for our Vulnerable Clients
Ellie Ntalampira (23) has worked as a Client Liaison Officer with PayPlan for the last two years and her job involves talking to clients and helping them find the best solution to their debts problems. “I’ve received training to help…
Living in Debt
6 Oct 2015
Dealing with our Vulnerable Clients
Living in Debt
11 Feb 2013
Change in Circumstances with an IVA or DMP
For many of you that are in debt, you may find yourself managing your finances on a tight-rope, with one small change in circumstances having a dramatic knock-on effect. When the change is big, the sustainability of your carefully constructed…
Living in Debt
29 Jan 2013
Have you been threatened with a County Court Judgment?
There is a big difference between being threatened with a County Court Judgment and actually receiving one. A lot of creditors use the threat of legal proceedings to get you to pay more towards your debt, especially if you are…
Living in Debt
14 Jan 2013
How do I deal with HMRC debts?
Every individual in the UK must pay Income Tax if their income exceeds a certain amount, however the way this is paid varies depending on their working status. If you are employed then you will pay yours directly through your…
Living in Debt
26 Nov 2012
Why do creditors issue default notices?
Receiving a default notice through your letterbox from one of your creditors can be upsetting and stressful, especially if you do not know what it is, why they sent it and what you need to do.
Living in Debt
12 Oct 2012
What do I do if I fall into arrears with my rent?
In these tough economic times, families are finding it increasingly difficult to keep on top of their monthly outgoings as the cost of living keeps rising and wages are staying the same. It is no surprise then that more than…
Living in Debt
1 Oct 2012
What to do if you fall into arrears with your… utility bills.
In these tough economic times, families are finding it increasingly difficult to keep on top of their monthly outgoings. According to statistics on IncomeMax 4.75million households in the UK are living in fuel poverty. With this many people in poverty,…