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debt and addiction

Get Help with Addiction

Are you looking for expert, non-judgemental and confidential advice on dealing with addiction and debt?

PayPlan have a dedicated vulnerable client team, trained to support you on your journey to becoming debt free.

Get advice now

What is an addiction?

Addictions are described as not having control over doing, taking or using something to the point where it could be harmful to you. While they are more commonly associated with gambling, drugs, alcohol and nicotine, it’s possible to be addicted to just about anything. The strain of managing an addiction can affect your work life, relationships and your financial wellbeing. An addiction may be used as a method of blocking out difficult issues. At PayPlan, we believe a client has a vulnerability if they tell us they have an addiction, and we offer them additional support. The most common addictions that clients tell us about are:

  • Gambling/Gaming/Slot machines
  • Drugs/Smoking
  • Alcohol
  • Shopping

When you contact PayPlan for debt help, our advisers are trained to ask questions to understand about your personal situation.

How do we help gambling addicts with debt?

Tell us once, and we will be able to help. It takes a lot of courage to speak up about an addiction and we have a dedicated Vulnerable Client Team who specialise in talking to clients about their money worries. We recognise that an addict might need extra support, so our team offers non-judgemental and confidential advice to anyone who tells us about their circumstances. Advisers offer extra help including information about:

  • Self-exclusion options for gamblers
  • Specialist support & advice services

Advisers can also work closely with creditors (companies you borrow money from) to explain the situation and ask them to offer extra support like breathing space so you can take a break from worrying about debt and focus on your own wellbeing. We will then offer support and a debt solution to help you get back on track with repaying your debts.

On the link between debt and gambling, GamCare said:

“Each year, around two thirds of the people we speak to on the National Gambling HelpLine disclose some form of debt and related financial difficulties because of their own gambling, or because of a loved one’s gambling. We frequently signpost clients to debt advice as part of supporting them.”

PayPlan will always be happy to discuss any gambling problems in confidence. 

How to spot the signs of addiction

You or a family member might have an addiction so here are 5 signs to look out for:

  1. Secretive or dishonest behaviour
  2. Borrows money from several friends and family members
  3. Poor performance and/or attendance at work or school
  4. Acts irritable or anxious
  5. Becomes reserved and cancels social commitments

If you feel you know someone with an addiction, reach out to them and offer to talk about their behaviour. You may save them from harming themselves and others in the future.

Getting help with an addiction

We are here to help you with your debts and signpost you in the right direction to specialist services that can support addiction. Just some of the organisations we’d recommend are:

If you would like to take the first step to talking about your debts, visit www.payplan.com/advice

Let’s make life more affordable

You’re just two steps away from taking back control of your finances and freeing up more money for you and your family.

No impact on your credit score.

Excellent, professional, friendly and empathetic service. PayPlan have given us our lives back!
Sandra Daly

Sandra Daly

5 stars
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Excellent, professional, friendly and empathetic service. PayPlan have given us our lives back!
Sandra Daly

Sandra Daly

5 stars
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