Blog | Free Debt Advice

Money Saving Ideas 3 Jan 2019

Dry January: reduce alcohol & increase your bank balance!

Money Saving Ideas 20 Dec 2018

Your Guide to Boxing Day Leftovers

Christmas is a time for family, friends and food. We Brits love a Christmas dinner, but we’re also keen on Boxing Day leftovers…or are we?It’d be so easy to go out after Christmas, and dine in pubs and restaurants, but…

Living in Debt 7 Nov 2018

What does safe gambling look like for you?

When you consider that people in the UK gambled £13.9bn between October 2016 and September 2017* (the most recent period for which figures are available) then it comes as no surprise that problem gambling is on the rise. These alarming…

In other news 5 Nov 2018

Spotting the signs of problem gambling

Every year we speak to hundreds of clients who are facing financial problems due to gambling. This isn’t a fiver here and there on an accumulator at weekends, or the occasional flutter on the roulette, though. Problem gambling, which is…

Industry News 29 Oct 2018

Why guarantor loans can land you in debt

Due to the recent collapse of Wonga, payday loans have been all over the news lately. With such bad press, people are beginning to search for other means of quick and easy credit, one of which is the guarantor loan.* A…

Industry News 18 Oct 2018

Are Payday Loans Becoming a Thing of the Past?

The recent collapse of Wonga has been ugly and well-publicised. The payday lender had a less than favourable reputation, and was seen by many as a business model that preyed on people who were either desperate or didn’t understand what…

Living in Debt 9 Oct 2018

A Third of People Wait Up To Four Years Before Getting Debt Help

In other news 8 Oct 2018

MAKE SURE YOU GET CREDIT WHERE CREDIT’S DUE

Here, Experian credit expert James Jones tells us about the importance of your credit score..A survey for this year’s Credit Awareness Week revealed that more than a quarter of Brits claim they know their current credit score, showing that a…

Debt Facts 26 Sep 2018

How a Debt Management Plan (DMP) affects your credit

If you’re in a Debt Management Plan (DMP) or thinking about going into a DMP then it is important to understand how this will affect your credit file.A DMP is an arrangement that can be made between you and your…

Debt Facts 12 Sep 2018

How an IVA affects your credit

An Individual Voluntary Arrangement (IVA) is a legally binding agreement between an individual and their creditors. It allows you to pay back one monthly affordable repayment and the creditors often agree to write off a certain percentage of your debts.…

Client Stories 3 Sep 2018

Become debt free – 5 tips from a PayPlan client

Want some motivation this fine Monday morning? Nothing inspires us more than the story of a PayPlan client who successfully became debt free. Alongside our many success stories, these helpful tips and tricks from our previous client, Andy, could help you…

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?

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…

Competitions 30 Jul 2018

Home Repossessions And Possessions

As a homeowner or tenant, it’s natural to be worried about what would happen if you fall behind on your mortgage or rent. Unemployment, illness or a sudden drop in income can soon make monthly payments unmanageable, especially if you…

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…

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