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  • Get your personalised debt solution
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We could offer you a solution that will reduce your monthly payments with the potential of freezing interest and charges, and even writing off some of the debt.

The options PayPlan can offer

The options PayPlan can offer vary depending on your situation, and there is no obligation to progress if you do not wish. We will simply talk through the different solutions to help you decide what is best for you. For more information on the solutions we offer/advise on, please see: and .

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What is an IVA?

An Individual Voluntary Arrangement (IVA) is an agreement with the people you owe money to. You make affordable payments over a period of time (usually 5-6 years) and at the end, your remaining debts are written off.

What is a Debt Management Plan?

A debt management plan (DMP) allows you to pay back your creditors each month at an amount you can afford. The DMP lasts until you have repaid your debts in full or your circumstances improve.

What is a Self-employed IVA?

A self-employed Individual Voluntary Arrangement (IVA) is an agreement to pay back what you owe whilst still running your business. You make affordable payments over a period of time (usually 5-6 years) and at the end, your remaining debts are written off.

What is a Debt Relief Order?

A debt relief order is a solution available if you are not able to afford any payments to people you owe to. It freezes debts for a year at which time they are written off if your circumstances have not improved.

What is Bankruptcy?

Bankruptcy is a type of insolvency that involves applying to the court in order to clear your debts. There is an upfront fee and you may be required to make payments from your earnings into the bankruptcy for up to 3 years.

Free debt help and advice

Santander and PayPlan: working together to help you

At PayPlan, we work with many of the UK’s major banks who trust us to provide impartial, free debt advice. Thanks to our close working relationship with Santander, we’ve helped thousands of their customers to become debt-free. Here’s how we can help you today:

  • Breathing space from creditor contact

We understand that being in debt can be worrying & stressful, but one quick, confidential call to our friendly team will instantly put your mind at ease. If your creditors know you are working with PayPlan you could qualify for 30 days ‘breathing space’ from debt collection activity, to allow you the time to find the right debt solution for you.   

  • A plan that works for you

We’ll take details of your incomings and outgoings, plus anything you owe and let you know the options available to you. If suitable for your circumstances, one of our personalised, affordable debt solutions will help you get back in control of your finances.

  • Help in the way you want it

We know that everyone’s different; that’s why we like to provide debt help in a way that suits you. You can request a call from one of our friendly, patient advisers, or if you prefer, you can complete our online debt solution tool instead.

Answer a few simple questions and get free debt help today.