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.
Living in Debt
11 Feb 2013
Change in Circumstances with an IVA or DMP
Debt Facts
6 Feb 2013
Top five questions about bankruptcy.
Bankruptcy is a form of insolvency and it is often referred to as a ‘last resort’ because of the long term affect it can have. Looking for a suitable solution for your debts can be a daunting experience and many…
Living in Debt
29 Jan 2013
Have you been threatened with a County Court Judgment?
There is a big difference between being threatened with a County Court Judgment and actually receiving one. A lot of creditors use the threat of legal proceedings to get you to pay more towards your debt, especially if you are…
Debt Facts
28 Jan 2013
Top five questions about… Debt Management Plans.
A Debt Management Plan, or a DMP, is an informal agreement between you and your creditors. When looking for a suitable solution for your debts it can be a daunting experience and many people contacting us have lots of questions.…
Debt Facts
17 Jan 2013
Is my home at risk if I enter into a Debt Management Plan?
Ask Payplan a question… Is my home at risk if I enter into a Debt Management Plan? If you are a homeowner in debt ensuring your home is secure is one of the biggest priorities; it is because of this…
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…
Competitions
10 Jan 2013
Can I go bankrupt for free?
Money Saving Ideas
9 Jan 2013
How to get rid of unwanted Christmas gifts
Christmas is a time for giving and receiving – and whilst gift giving comes with the best of intentions, not everyone gets it right. Every year, British households are inundated with presents that may be unwanted and often go unused.…
Money Saving Ideas
17 Dec 2012
3 quick and simple Christmas decoration ideas for you to try at home!
Why not get creative this year and try some homemade Christmas decoration ideas? These ideas are simple, cheap and fun to make with your family.
Money Management
10 Dec 2012
Ways to make the most of your Christmas pay.
Each year Christmas somehow manages to creep up and surprise you, even if you try and plan for it. This year there are reports in the news saying that some people will turn to payday loans in order to fund…
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.
Money Saving Ideas
21 Nov 2012
Top tips to cut your energy usage.
Every year we as a nation waste hundreds if not thousands of pounds in electricity, this may be due to a lack of knowledge of how to reduce electricity usage or laziness. Whatever the reason may be, with the cost…
Money Saving Ideas
7 Nov 2012
National Stress Awareness Day – How to combat debt stress.
Today marks National Stress Awareness Day and while, officially, the focus is on stress at work, at Payplan we feel that it should also include debt stress.
Archive
2 Nov 2012
Payplan wins new tender to provide debt advice in Northern Ireland
Money Saving Ideas
2 Nov 2012
Top 5 tips for staying out of debt as a student.
Moving out of your family home into university halls of residence is a huge step for most students – not only is it the first time you are living away from home, but it is also the first time you…
Money Saving Ideas
30 Oct 2012
Protect my PC for free
As we all know, budgeting often comes down to the smallest and obscurest of things. There are opportunities to save in every aspect of your life at home and, while it may not seem like a particularly damaging expense to…
Money Saving Ideas
17 Oct 2012
Top tips to cut impulse buying.
When you are out shopping it is easy to get carried away and give in to all temptation. In these tough economic times giving in can have knock-on effects and consequences that ruin your carefully constructed budget. This latest blog…
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.