Blog | Free Debt Advice

Living in Debt 24 Oct 2016

Am I still liable for my debts?

In other news 19 Oct 2016

Taxing times

We’ve teamed up with the Federation of Small Businesses (FSB) to produce a series of helpful guides whether you are new to self-employment or been doing it for a long time. This week, we looked at how to complete your…

Living in Debt 14 Oct 2016

An Unfortunate Week

We've released a new campaign called An Unfortunate Week. It’s an interactive guide showing hypothetical examples of someone subject to bad luck in the week running up to payday. An Unfortunate Week is an eye opening piece that we hope…

In other news 5 Oct 2016

Spot the scams

We’ve teamed up with the Federation of Small Businesses (FSB) to produce a series of helpful guides whether you are new to self-employment or been doing it for a long time. This week, we looked at how small businesses can…

Living in Debt 27 Sep 2016

What to do if the bailiffs are on your doorstep?

One of the biggest fears people have when they’re in debt is what happens if the bailiffs come? Our latest blog post looks at your rights and whether you need to let them in if they turn up on your…

Client News 22 Sep 2016

PayPlan Plus is changing

We have relaunched our PayPlan Plus website bringing our clients a new look that is also easier to use. Find out more about what's changed and how PayPlan Plus can benefit you.

In other news 22 Sep 2016

Self-employment surge

Living in Debt 6 Sep 2016

Cutting costs: Easy ways to reduce your spend

Cutting costs is difficult because while we all want to reduce our spend and save money, we don’t necessarily want to give up on all hopes of a social life and live life on rations. Today’s blog post looks at…

Debt Facts 1 Sep 2016

Self-employed IVAs: Frequently Asked Questions

A self-employed IVA is a debt solution tailored for the self-employed. This week’s blog post looks at what a self-employed IVA is and answers the most common questions we get asked about how this debt solution works.

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…

Money Management 8 Aug 2016

Staying out of debt

It can be such a relief once you make your final payment to your creditors and you can finally say you are debt free. However it can also be an overwhelming period. Today's blog post looks at the aftermath of…

Industry News 24 Jul 2016

What do the bankruptcy changes mean for you?

The application process and fees have changed for bankruptcy. Today we look at what changes have occurred and what they mean for 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…

Money Management 18 Jul 2016

Fresh out of university – finding your financial feet

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…

In other news 5 Jul 2016

How does a relationship reunion affect your child maintenance agreement?

In our latest debt research, we discovered 71.6% of single parents were struggling financially. As a result PayPlan have launched a campaign to raise awareness of child maintenance - you can find out more about this in this week's blog…

Debt Facts 24 Jun 2016

Young People In Wales Have Highest UK Debt Levels

18-25 year-olds in Wales have higher levels of personal debt than anywhere else in the UK, owing an average of almost £10,000.New figures from free debt advice provider PayPlan show that whilst calls to its helpline from every other age…

Money Management 21 Jun 2016

Creating a debt plan: What you need to know

The first step to getting your finances under control is to create a debt plan. Whether that's done on your own by looking at your budget or whether that's done with the help of a debt solution, today's post will…

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…

Money Management 24 May 2016

Managing your finances: A guide to budgeting

Working out a monthly or weekly budget means you have a much clearer idea of how much money is coming in and going out. This can be the difference between gradually falling further into debt and managing to make your…

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