What kind of debt advice do you offer?

We offer free, confidential debt advice tailored to your situation. We’ll explain all the debt solutions available to you, including any fees and let you know which ones we can support in-house.

Our team will take a detailed look at your debts, income, expenses, and assets to give you clear advice about the best options for your unique circumstances. If we don’t offer a solution directly, we’ll guide you on what steps to take next. The decision is always yours and we’ll support you, not pressure you.

Is your debt advice really free?

Yes, any advice you receive from our team is completely free. While some debt solutions may involve fees, we’ll always explain this to you clearly when discussing your options.

What types of debt can you help with?

We can advise you on all types of debt, though not every debt solution can include all types of debt.

Debt can be divided into:

• Priority debts, which have serious consequences if left unpaid such as eviction or legal action (examples include rent/mortgage arrears, council tax arrears and court fines)
• Non-priority debts, which have less immediate consequences, but are still important to manage (examples include credit cards, overdrafts and store cards)
• Secured debts, which are tied to an asset which can be repossessed if payments are missed (examples include mortgages, secured loans and car finance)
• Unsecured debts, which aren’t linked to assets but can lead to court action if left unpaid (examples include personal loans, payday loans and catalogue debts)
• Business debts, which relate to running a business or being self-employed (examples include business loans and VAT arrears)

Do I need to be in a specific amount of debt to get help?

No, you can get help no matter how much debt you have. Some solutions may have specific criteria, but our team will match you with the options that suit your situation best.

Will getting debt advice affect my credit score?

No, seeking debt advice from us won’t affect your credit score. We don’t carry out credit checks at the advice stage. With your permission, we’ll ask to look at your credit file but this is just a soft search so we can get a full picture of what you owe to advise you further.

However, if you choose to enter a debt solution, it could impact your credit score. Each solution has different effects, which we’ll explain to you fully before you decide to go ahead with anything.

Debt Solutions FAQS

How do I know which debt solution is right for me?

We’ll carefully assess your situation and recommend the best solution for your needs, helping you become debt-free as quickly as possible while protecting your assets. Take your time to think it over and we’re here to answer any questions you might have.

Do you offer all debt solutions in-house?

We advise on all types of debt solutions, some of which we manage in-house and some are managed by our sister companies* (PayPlan Partnership Ltd, PayPlan Bespoke Solutions Ltd, PayPlan Scotland Ltd) which include:

• Debt Management Plans (DMPs)
• Individual Voluntary Arrangements (IVAs)*
• Debt Relief Orders (DRO) (for some clients)
• Settlements
• Trust Deeds*
• Debt Arrangement Schemes (DAS)
• Debt Write-Off (in certain circumstances)

For other solutions, we may refer you to trusted partners or provide you with clear guidance on what steps to take next.

What if I already have a debt solution in place? Can I switch to you?

Yes, it’s possible to switch to us in some solutions. Let us know what’s already in place and we’ll assess how we can help you better.

What happens if my financial situation changes during the plan?

If your circumstances change, we’ll review your solution to make sure it’s still the best fit. If not, we’ll suggest alternatives to make sure you stay on track.

Eligibility & Confidentiality FAQS

Am I eligible for a debt solution if I’m self-employed or on benefits?

Yes, we offer support for people who are self-employed or on benefits. We’ll help you find the right solution based on your situation.

Is your service confidential? Will anyone else find out I’ve contacted you?

Absolutely. Your privacy is important to us and everything you share with us is completely confidential. We won’t share your information without your permission and your creditors won’t know you’ve contacted us unless you choose to inform them – or give us your permission to do so.

Can you help if I live in Scotland, Northern Ireland or abroad?

Yes, we can offer advice to anyone with UK-based debt, no matter where you live. However, some solutions may vary depending on your location, as laws and options differ by region.

Lender & Legal FAQS

Will you contact my creditors for me?

Yes, if you’re suitable for a managed solution and decide to go ahead. In this case, we’ll only share the information you agree to.

Can you stop bailiffs or court action?

If you’re facing bailiff action or court proceedings, it’s essential to contact us right away. We can work with you to explore what can be done to resolve the situation.

Can creditors still contact me once I start a plan?

Once you’re in a debt solution, your creditors should stop contacting you directly. For some solutions (like DMPs), creditors may still reach out, but they should respect the terms of your plan if you’re meeting your repayment offers.

Practical & Process FAQS

How do I start getting help from you?

It’s really simple. Just reach out to us by phone, online chat or WhatsApp. We’ll discuss your situation and guide you through your options. There’s no pressure and you’re free to decide how you’d like to proceed.

What information do I need to provide for debt advice?

To give you the best advice, we’ll need some basic details like your income, regular expenses and a list of your debts. Recent bank statements or letters from creditors can be helpful but aren’t essential at first.

How quickly can a plan be set up?

We often get things moving quickly, with some solutions set up within days. More complex solutions, like an IVA, can take longer due to legal processes, but we’ll guide you every step of the way.

How often do I need to check in or update you on my situation?

In a managed solution, like an IVA or a DMP, we’ll check in with you every year. If your circumstances change at any time, please let us know though, so we can ensure your plan still works for you.

Can I speak to someone via WhatsApp or online chat?

Yes. We offer support via WhatsApp or live chat for your convenience. You’ll receive the same expert advice, just in a way that suits your schedule and preferred communication style.