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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.

Competitions 14 Jul 2008

How To Get Help With Bankruptcy Fees

Update: a new version of this blog is now available by clicking here I want to go bankrupt but I can’t afford the fees and so I’ll end up paying my debts for the rest of my life. How can…

Archive 1 May 2008

Problems Opening A New Basic Bank Account?

Debt Question Of The WeekI have been trying to open a new cash card account at the bank but they keep telling me I can’t have a basic bank account and that I must apply for a current one. Do…

Archive 16 Jan 2008

Beware IVA Debt Advice from TV Adverts

Unscrupulous IVA Advice As the ‘credit crunch’ begins to bite and traditional avenues to additional credit are closing off or becoming cost-prohibitive to many, unscrupulous up front fee charging IVA providers are circling to make sure they get their share…

Archive 6 Nov 2007

Award nomination for Payplan client

Payplan client, charity fundraiser and Multiple Sclerosis sufferer Karen Mascoll has recently been shortlisted for the ‘Croydon Charity Champion 2007’. This follows one of the proudest moments in her life when she completed the London Marathon in April to raise…

Archive 30 Oct 2007

‘IVA Council’ was ‘foolish’

‘The IVA Council’ has admitted to Credit Today that they were ‘foolish’ to advise people to stop making payments to their IVAs. Jonathan Baker, The IVA Council’s (IVAC) auditor, said the IVAC sent out letters advising debtors not to make…

Archive 21 Jun 2007

When can bailiffs force entry?

Recently a person received a letter from court baliffs threatning to force entry into a property, regardless if the person was present or not. The bailiff had not previously gained entry into the property and no levy had been made…

Archive 6 Jun 2007

How The Debt Collector Thinks

Or, how Simon Bell, tele-business trainer and associate of Windsor CME thinks according to Credit Today. According to Mr Bell, its not who an agent talks to when calling to collect debt, it’s more how they talk to you. Apparently…

Archive 6 Jun 2007

RBS To Add Credit Card Charges

The Royal Bank of Scotland have said that they will be adding £12 charges to credit cards if customers if they fail to inform RBS of a change of address! Customers have 30-60 days to inform RBS of a change…

Archive 19 Jul 2006

Northern Rock 5 Year Deal

Northern Rock has signed a 5 year credit reference deal with Experian to purchase consumer credit reference information to support its lending activity. Richard Barclay, director or credit at Northern Rock said It is crucial that we have access to…

Archive 7 Jun 2006

Debt Relief Orders

The Citizen Advice Bureau are calling for the government to introduce a new scheme called “Debt Relief Orders” – new insolvency plans put forward by ministers, due to the increase in people looking for debt advice. Debt Relief Orders will…

Archive 7 Apr 2006

Credit Card Charges

This invesitgation by the Office of Fair Trading has been going on for the past 2 years and they have finally said that charges on credit cards should no longer exceed £12, which is less than half the amount inccured…

Archive 16 Mar 2006

Bankruptcy Restriction Order (BRO) Reasons Online

Reasons for restrictions on peoples bankruptcy has now been made available online at the Insolvency Service website. Bankruptcy Restriction Orders (BRO) are usually applied when the Official Receiver considers that a person applying for bankruptcy may have been dishonest or…