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Welcome to PayPlan’s debt advice blog!

Our blog covers the latest news at PayPlan, tips to help you save money, our latest press releases, expert insight and everything in between.

Debt Facts 21 Aug 2018

Which Debt Should I Pay Off First?

When your lenders are constantly phoning you, and you have received several ‘final reminder’ letters, you might be losing sleep about which debt you should pay off first. All debts need to be paid eventually, unless you have an agreement…

Debt Facts 15 Aug 2018

Can Debts Be Written Off?

This is one of the most common questions that people ask us, and the short answer is ‘when you’ve paid back what you owe’. But if there is no communication between you and your creditors, and six years elapse, the…

Debt Facts 13 Aug 2018

‘Joint and Several’ Liability: Who’s Responsible For Debt?

A joint and several liability agreement can apply to mortgages, tenancy agreements, council tax and water bills in jointly-occupied housing, as well as unsecured credit like personal loans. Below, we answer some of the most commonly-asked questions on the subject.…

Debt Facts 2 Aug 2018

Is It Better To Have Good Debt or No Debt At All?

As well as having a negative impact on your finances, bad debt can leave you stressed and unhappy – that’s why most of us want to avoid at all costs. You may think it’s best to be completely debt-free, but…

Money Saving Ideas 2 Aug 2018

Money Saving Tips for Pet Owners

Being a pet owner is a big responsibility, and it takes a lot to decide if you are able to take on the challenge. Alongside providing endless love, affection and entertainment, your pets can also be a financial burden, with…

Debt Facts 26 Jul 2018

Am I Still Liable For My Debts?

The world of personal finance can be tricky to navigate, and one of the most common questions asked on our forum is whether you’re still responsible for old debts, or ones your ex-partner has racked up. Below, we’ve provided answers…

Debt Facts 24 Jul 2018

Will Debt Collectors Come To My House?

We’ve probably all seen TV shows where bailiffs turn up at someone’s house, either to evict them or seize their possessions to repay their debts. Programmes like these often make for difficult viewing, but they are particularly distressing if you…

Debt Facts 7 Jul 2018

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…

Money Saving Ideas 6 Jul 2018

Ways to save the environment and save money!

There is a lot in the news at the moment about how we are all using too much plastic and the need to cut down in order to save our oceans and the planet. You may think that cutting down…

Debt Facts 21 Jun 2018

Will debt collectors sue?

Living with money worries is often the cause of sleepless nights, especially if you’re concerned about debt collectors taking you to court. When you fall into arrears on a credit card or loan, the creditor can launch legal proceedings against…

Industry News 12 Jun 2018

Welsh Government set to abolish Council Tax Imprisonment

PayPlan’s reaction to Welsh Government abolishment of council taxAlistair Chisholm, head of advice sector policy and partnerships at PayPlan, wrote an industry report ‘I can’t believe we still do that: council tax report’ in November 2017.  The report, a joint…

Debt Facts 6 Jun 2018

What’s the difference between debt and credit?

There are times when you may feel like you can’t get away from credit card and loan advertisers, offering no end of tempting deals. But behind the slogans, it can be difficult to work out whether a product is right…

Living in Debt 16 May 2018

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…

Living in Debt 4 May 2018

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…

Client Stories 3 May 2018

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.

Money Management 23 Apr 2018

Our favourite cheap food items!

If you’re looking at ways to cut your monthly costs, one thing you can’t do without is food! But that doesn’t mean you have to splurge on takeaways and the finest brands in the supermarket… you can still eat well…