Living in Debt
29 Jan 2013
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,…
Living in Debt
21 Sep 2012
Credit Rating Myths
Credit ratings and reports are complete minefields with so much incorrect information available. Whether you are looking to take out credit or trying to repay debts it is important you understand your credit report and how it works.
Living in Debt
12 Sep 2012
Can I reclaim PPI whilst in a Debt Management Plan?
Debt Facts
15 Aug 2012
The truth behind the top 20 debt myths
In the 21st Century it is easy to use the internet to get answers to important debt questions. However, it is also easy to come across incorrect information which can have dangerous consequences.
Living in Debt
4 Jul 2012
What should I do about my council tax arrears?
In recent years at Payplan we have seen a rise in the number of clients coming to us owing council tax arrears. This is often due to a number of factors, including a drop in income or an unforeseen increase…
Living in Debt
27 Jun 2012
Can I go on holiday once in a Debt Management plan?
Being in debt and in a plan such as a Debt Management Plan (DMP) or an Individual Voluntary Arrangement (IVA) can mean that many will have to change the way in which they spend and make cut backs.
Living in Debt
13 Jun 2012
How do I…fill out court forms for a County Court Judgement?
When you receive notification that a creditor is pursuing legal action against you it can be a stressful time. There is a short response period and it is important that all of the paperwork is filled out correctly.
Living in Debt
9 May 2012
Disabled people and debt
"We are struggling financially and finding it very hard to cope. I am at my wits end [trying] to find a way out of the debts." This quote from a disabled mother of a disabled child will resonate with many…
Living in Debt
27 Jul 2011
Can I change my DMP company?
People call us for several reasons: it may be that they realise they can no longer afford to manage their debt, they know their situation is about to change so they are planning ahead, or they simply decide that they…