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Bankruptcy
Bankruptcy is a type of insolvency that involves applying to the court in order to clear your debts.
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Self employed IVA
A self-employed IVA is a debt solution that allows you to keep your business operating while repaying your debts usually over 5 years…
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Settlements
This is a partial offer to repay to your debts. It's made under the condition that your creditors agree to write-off the remainder.
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Trust Deeds
A Trust Deed allows you to make reduced payments towards your debt –usually over 4-5 years, based on what you can afford (subject…
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Debt arrangement scheme
An alternative debt solution in Scotland is the Debt Arrangement Scheme (DAS). This is a government-run debt...
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Sequestration
Sequestration is a debt solution available to Scottish residents only. If you have a minimum debt level of £3,000 and are struggling to…
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Admin Orders
An administration order is where the courts place an order to cover all of your outstanding debt. You will make a monthly payment…
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Debt Relief Order (DRO)
Debt Relief Orders were introduced to England, Wales and Northern Ireland in 2009 to provide a quicker and simpler alternative to bankruptcy for…
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See what the people we’ve helped say about our debt solutions

Here are some examples of what our clients had to say:

IVA

Debbie

Got me out off a black hole!
Only one more year to go.

Self Employed IVA (Bespoke)

Simon

Very good, very helpful and understanding staff.

DMP

Michael

Great customer service they do all the work after the initial programme is set up unless one has change of circumstances

Trust Deed

Lesley

sympathetic but realistic advice provided

Read all PayPlan reviews

We rate 4.8 out of 5 based on 84 reviews

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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 Practitioners: JN Harrison FCA MIPA FABRP Licensed by Insolvency Practitioners Association (UK): K W Marland MIPA FABRP Licensed by Insolvency Practitioners Association (UK).

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).