Debts That Cannot Be Included in DMPs

While a Debt Management Plan can be a great way of paying off your unsecured debt at a more affordable rate, there are some things that can’t be included in your plan. For more information, and how this might affect you, contact PayPlan on for free advice.


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If you’re worried about your debts, PayPlan can help you. Call us now on 0800 280 2816 or, if you’d prefer, click the “Get advice now” button to request a call back.

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Secured Debts such as:

  • Mortgages
  • Secured Loans/ Second Charges
  • Car Hire Purchase

Utility Bills:

  • Council Tax (Current Bills)
  • Water (Current Bills)
  • Gas (Current Bills)
  • Electric (Current Bills)

Secured debts and Utility Bills are classed as priority debts, therefore they must be paid in accordance with either the original credit agreement (where applicable) or with prior agreement with the company.

For immediate and free debt advice please call PayPlan free on 0800 280 2816 or use our Debt Help Form to submit your debt problem online.

More Information on Debt Management