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.
Money Management
11 Jul 2012
How do I… get out of debt and stay out of debt?
Living in Debt
4 Jul 2012
What should I do about my council tax arrears?
In recent years at Payplan we have seen a rise in the number of clients coming to us owing council tax arrears. This is often due to a number of factors, including a drop in income or an unforeseen increase…
Archive
29 Jun 2012
A day in the life of… a Client Liaison Officer
I work in the client support department dealing with Debt Management Plans (DMP). My role is to make sure our clients' income and expenditure details are up to date and sustainable and to look for any opportunities to save money…
Living in Debt
27 Jun 2012
Can I go on holiday once in a Debt Management plan?
Being in debt and in a plan such as a Debt Management Plan (DMP) or an Individual Voluntary Arrangement (IVA) can mean that many will have to change the way in which they spend and make cut backs.
Competitions
22 Jun 2012
What do I do if I received an Attachment of Earnings?
If you have been issued with a County Court Judgement (CCJ), you must maintain payments to the creditor until the debt has been cleared in full. However, if the payments stop, your creditor can apply to the court to have…
Money Saving Ideas
20 Jun 2012
The true cost of owning a pet
By Rebecca Sowter Croll When you first set eyes on that cute ball of fluff or multi-coloured reptile, long term cost may not be the first thing on your mind. It definitely was not the first thing I thought about…
Money Management
18 Jun 2012
How do I manage my student debts?
Living in Debt
13 Jun 2012
How do I…fill out court forms for a County Court Judgement?
When you receive notification that a creditor is pursuing legal action against you it can be a stressful time. There is a short response period and it is important that all of the paperwork is filled out correctly.
Money Saving Ideas
8 Jun 2012
Planning a wedding on a budget.
After recently getting married I know too well that weddings can cost a fortune and the budget can soon spiral out of control. You only have to look in some bridal magazines to see they average the cost of a…
Archive
1 Jun 2012
What is a Logbook Loan?
Log book loans are a growing trend, with the number of people taking them out increasing by 40% between 2006 and 2009**. With more of these types of loans appearing it is important to understand exactly what they are. Log…
Money Saving Ideas
18 May 2012
The Real Cost of Driving
There is no hiding from the fact that the cost of driving is going up. From fuel to insurance to on-going maintenance - driving a car costs us hundreds of pounds each year.
Money Saving Ideas
16 May 2012
Dealing With Debt and Divorce
In spite of all the good intentions you might once have had, sometimes two people in a married relationship simply have to accept that it’s the best for both parties if the relationship is ended and the marriage dissolved. A…
Debt Facts
14 May 2012
Understanding credit reports and how they are affected by DMPs
By James Jones from Experian Credit checking is a mystery to some, so how does it work? Basically, lenders obtain your consent to share and access information about your credit agreements through credit reference agencies like Experian. We combine these…
Money Management
11 May 2012
How do I… budget?
Living in Debt
9 May 2012
Disabled people and debt
"We are struggling financially and finding it very hard to cope. I am at my wits end [trying] to find a way out of the debts." This quote from a disabled mother of a disabled child will resonate with many…
Debt Facts
2 May 2012
Right to Offset
One of the most important things to do when you are in debt is to change your bank account. If you owe money to the same bank that your wages or other income is paid into then they are entitled…
Money Saving Ideas
20 Apr 2012
5 ways to make money from your home.
The cost of living is going up - sometimes it seems by the second - which means that some people are struggling to cope. Not surprisingly, many people are turning to new and inventive ways to increase their income.
Archive
16 Apr 2012
How do I… apply for a DMP?
A Debt Management Plan, or DMP, is a solution to help people who are struggling with their creditor repayments. A DMP allows you to make one single monthly payment to your creditors.
Archive
11 Apr 2012
Unemployed and in debt
Unemployment has been a big issue throughout the country since the last recession with the latest stats showing that 2.67 million* people over the age of 16 years are currently unemployed, the highest level since 1995. During Chancellor George Osborn's…
Archive
28 Mar 2012
Online Surveys – Are they worth it?
Online surveys seem to becoming more and more popular with posters on forums like Money Saving Expert and IVA.co.uk. Many posters use survey sites to earn points that then turn into vouchers.