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.
Archive
20 Jul 2011
Gambling & Debt
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.
Archive
16 Jun 2011
Mortgages & Remortgages
Buying a home and getting a mortgage is a huge financial commitment whether you are a first time buyer or whether this is your second or third home.
Archive
17 May 2011
Dealing with depression and debt
It was recently suggested by the BBC that over the last four years prescriptions for anti-depressants have risen by over 40% due to people struggling with debt and with job worries fuelled by our current economic problems.
Archive
4 May 2011
Your Credit Report…
Your credit report can help decide whether you are given credit or not and holds all the information a creditor needs to make that decision.
Debt Facts
14 Apr 2011
Repossession
Archive
5 Apr 2011
What is a Full & Final IVA
Important Update (June 2025):This blog was originally published in 2019. Since then, there have been important updates to IVA (Individual Voluntary Arrangement) protocols and guidance. While much of the information below may still be useful, some details may now be…
Archive
21 Mar 2011
Hiding Debts From Your Partner?
Whether the debts built up before you met your partner, or whether the debts occurred when together, hiding something from your partner can put immense strain on your relationship.
Archive
11 Mar 2011
Weekly Debt Question
I am already in debt; I might as well take out more credit.
Archive
22 Feb 2011
What is a Trust Deed?
A Trust Deed is a voluntary, legally binding agreement between you and your creditors and deals with only unsecured debts.
Archive
10 Feb 2011
Bailiffs – who are they?
Archive
8 Feb 2011
Court Action – Charging Orders
A Charging Order is where an unsecured creditor secures the amount owing to them on your property. This is done through the courts, just like with a CCJ.
Archive
3 Feb 2011
Court Action – Attachment of Earnings
An Attachment of Earnings (or AOE) is where your creditor applies through the court to be paid directly from your wages in order to guarantee their money. If the AOE is granted then your employer will be notified and each…
Archive
27 Jan 2011
Court Action – County Court Judgments
A CCJ is where the creditor or claimant attempts to reclaim the money that is owed to them by going through the County Courts.
Archive
25 Jan 2011
Default Notices
People often get very worried if they receive a default notice through the door. Today I want to go through what they are and what you need to do so hopefully you needn't worry in the future.
Archive
18 Jan 2011
Bankruptcy: What does it mean?
For todays instalment I am going to be talking about bankruptcy. I want to continue on with the journey of making everyone savvy with all issues relating to debt and getting out of it. Bankruptcy is usually thought of as…
Archive
4 Jan 2011
What Is A Debt Management Plan?
Good afternoon bloggers. Now you know who I am, I want to share with you what I do and all that I know. I want to start with the basics so today I will be sharing with you what a…