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Home » Debt Information

Debt Information

Take a look through our library of information or search for something more specific. Whatever you’re looking for, we’re sure we can help.

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Breathing Space
If you are struggling with problem debt, you may be able to benefit from Breathing Space (also known as The Debt Respite Scheme or Breathing Space moratorium) to give you space and time to work out how to deal with them.
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Types of debt
Learn about the types of debt, common reasons for debt and what solutions are available
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Debt Collection
Discover what right bailiffs, debt collectors and creditors have when chasing and collecting debt.
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Redundancy Guide
If you’re worried about the risk of redundancy, or have been made redundant, then don’t panic. Our Guide to Redundancy and Debt will talk you through what to do if you are in debt and are being made redundant.
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Credit score and debt
Find out how to understand, manage and control your credit score, and how being in debt can affect it.
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Family and joint debt
Dealing with debt has an impact on your family and is often a family affair. Find out more about dealing with debt as a family.
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Benefits
Find out what you can do if you are struggling with debt and receiving benefits. Also discover what help might be available to you.
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Managing debt
Find out where to get debt advice, how to manage your debt and the difference between an IVA and DMP
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Debt and health
Discover how debt can have a impact on your health and what you can do to overcome health issues.
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Debt and your home
Information for homeowners with mortgage debts, shortfalls, and reposession advice. Find out what your options are.
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Debt Solutions

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PayPlan is a trading name of Totemic Limited. Totemic Limited is a limited company registered in England, Company Number: 2789854. Registered Office: Kempton House, Dysart Road, PO Box 9562, Grantham, NG31 0EA. Totemic Limited is authorised and regulated by the Financial Conduct Authority. Financial Conduct Authority Number: 681263. Totemic, the Totemic logo, PayPlan and the PayPlan Logo are all trademarks of Totemic Limited.

Totemic Limited refers customers to PayPlan Partnership and PayPlan Bespoke Solutions for Individual Voluntary Arrangements:

PayPlan Partnership Limited is a limited company registered in England, Register No: 7199691 Registered offices: Kempton House, Dysart Road, PO Box 9562, Grantham, Lincolnshire, NG31 0EA.
Licensed Insolvency Practitioner: NT Payne ACA FCCA MIPA MABRP Licensed by Insolvency Practitioners Association (UK). PayPlan and the PayPlan logo are trademarks of Totemic Limited.

PayPlan Bespoke Solutions Limited is a limited company registered in England, Register No: 7079646 Registered offices: Kempton House, Dysart Road, PO Box 9562, Grantham, Lincolnshire, NG31 0EA.
Licensed Insolvency Practitioner: NT Payne ACA FCCA MIPA MABRP Licensed by Insolvency Practitioners Association (UK).

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