Gambling Addiction & Debt
I recently read about a man who has gambled since he was 12 years old. He believed he needed to gamble in order to survive. He is now older and married with 2 children, yet he still gambles. His wife…
Mental Health Awareness Week
Mental Health Awareness Week takes place each year in May. We all understand that it is important to look after your mental health, but how do we do this?There are many physical warning signs that you may be struggling with…
It’s Time to Break the Taboo of Debt
As a family, we first started talking about debt in 2013 when things got to the lowest point.We were skint – proper skint. It wasn’t about being able to afford a few pints at the pub, we didn’t have enough…
Case Study – Mike
Mike (50) first came to PayPlan in 2012 with £17,000 of debt. Mike needed to carry out some urgent maintenance on the property where he lived.
PayPlan announced as finalist for Debt Advice Provider of the Year
PayPlan have been shortlisted for Debt Advice Provider of the Year for the Credit Awards 2018, which has been the industry’s flagship event for over 20 years. They have been recognised for their work in creating an end to end…
Case Study – Diane
Case Study – Katie
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…
Case Study – Richard
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…
Case Study – Scott
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…
Caring for the Carers
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…
Worrying problem of elderly in debt
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.…
Supporting Armed Forces’ veterans
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…
General Public Believe Cameron Can’t Budget
What is the difference between an IVA and a DMP?
Important Update (June 2025):This blog was originally published in 2019. Since then, there have been important updates to IVA (Individual Voluntary Arrangement) protocols and guidance. While much of the information below may still be useful, some details may now be…
Debt Write Off – Trick or Treat?
We've all seen the adverts on TV that claim they can get your debts written off. Some people receive phone calls, others get letters or text messages from companies that claim they can write off debts - anything from 90%…