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Archive 16 Mar 2012

In this current climate trying to reduce your outgoings is a constant uphill struggle as it seems on a weekly basis we face rising costs in gas, electricity, water, phone bills, food or fuel. However if you are savvy with…

Archive 5 Mar 2012

Home Decorating on a Budget

In the theme of some recent budgeting blogs, today Ally shares some of her experiences of home decorating on a budget. Please feel free to share you tips as well.

Archive 6 Feb 2012

How is my credit file affected…with a early settlement

A common question I come across daily in my job, is how my credit file is affected when going through the settlements department. When clients come through to our department they often have a lump sum available for example inheritance,…

Archive 25 Jan 2012

How People Are Trapped By Payday Loans

We recently conducted a survey about borrowing over the last 12months. Our infographic highlights the growing number of people that are turning to payday loans.

Archive 22 Dec 2011

Christmas Wishes

From all of us at Payplan we want to wish you all a very Merry Christmas and a Happy New Year.

Archive 29 Nov 2011

Is Bankruptcy the easy way out?

News and Stories 28 Oct 2011

Debt Write Off – Trick or Treat?

We've all seen the adverts on TV that claim they can get your debts written off. Some people receive phone calls, others get letters or text messages from companies that claim they can write off debts - anything from 90%…

Archive 25 Oct 2011

DMP vs IVA

Two of the most common debt solutions that our clients opt for are DMPs and IVAs. They are two very different options and many people have to choose between the two.

Archive 18 Oct 2011

Top tips to cut down your energy bills.

This winter it is thought that hundreds of thousands of families will struggle with their energy bills after seeing a huge hike in the cost of fuel over the course of the summer.

Archive 11 Oct 2011

Am I in a DMP or an IVA?

Time and time again I come across people in a particular plan, who are under the assumption that they are in a completely different plan. In my experience this is down to either miscommunication or misunderstanding.

Competitions 20 Sep 2011

I can’t afford bankruptcy.

If you don't have any assets or a job that is easily affected then the chances are bankruptcy is an option for you. Many people choose to avoid bankruptcy as they have a home or other assets to protect, they…

Archive 19 Sep 2011

Dawn’s Story

Here is the story of Dawn, she has now finished her DMP and is debt free! Congratulations.

Archive 8 Sep 2011

Over 65 and still working!

Archive 6 Sep 2011

Too cool for school?

It is that time of year again as we pack the children back off to school. On one hand we are relieved to have a bit of peace and quiet and a bit of normality back, but on the other…

Archive 4 Aug 2011

Payday Loans – Good or Bad?

There always seems to be a large amount of controversy surrounding Payday Loans. With high interest rates, quick repayment time and easy availability, Payday Loans can often be the downfall of many people in debt.

Living in Debt 27 Jul 2011

Can I change my DMP company?

People call us for several reasons: it may be that they realise they can no longer afford to manage their debt, they know their situation is about to change so they are planning ahead, or they simply decide that they…

Archive 20 Jul 2011

Gambling & Debt

It is thought that some 68% of the UK population participate in some form of gambling activity over a one year period.

Archive 12 Jul 2011

Debt: Perception versus Reality

The aim of the survey was for us to gage what people’s perceptions of debt are. It is usually the case that people’s perceptions are a lot different to the reality, this survey turned out to show exactly that.

Archive 21 Jun 2011

A Clients Story: Kevin

It started a few years ago. Our bank accounts were being maxed out and to pay our bills we had to use our credit cards.

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Mothers Day on a budget

Reducing your outgoings.