Get Free Debt Help

FREE DEBT ADVICE AND FREE DEBT MANAGEMENT PLANS

At PayPlan we understand the impact that debt can have on you, your family and your life. But, unlike other debt management companies, we believe that you can, and should, live a happy life whilst repaying your debt.

Get free debt help

We’ve spent over 20 years helping people like you to deal with their debts and get on with living their life. Every year, we offer guidance on a wide range of practical debt solutions to more than 80,000 people – and you could be one of them.

How can we help you?

We will help you become debt free
We will help to protect your family and your home
We will deal with your creditors on your behalf

Do you need to find a way out of debt? Start TODAY by completing our simple debt help form or by calling us on 0800 280 2816.

One of our friendly advisers will contact you for a quick FREE no-obligation chat about your debts and how we can help you.

Don’t face your debts alone – we’re here for you.

We’re one of a number of organisations that provide free debt advice. If you’d like more information on other sources of free debt help and advice you can visit the Money Advice Service. It's an independent service, set up by the government to help people make the most of their money.

Debt solutions we advise on

When you contact PayPlan we will advise on a wide range of debt solutions so you have a choice. We will check what you qualify for and recommend what solution will be the most affordable and manageable for you. Below is just some of the debt solutions we advise on.

IVA

Make payments over 5 years and have up to 70% of your debt written off.

IVA

Self-employed IVA

Self-employed IVAs allow you to pay back your debt whilst still running your business.

Self-employed IVA

DMP

A debt management plan allows you to pay back your creditors each month at a rate you can afford.

DMP

Trust deeds

Trust Deeds are the Scottish equivalent to IVAs. You pay an agreed amount - based on what you can afford each month.

Trust Deed

View all debt solutions

Compare DMP fees

Did you know not every company charges for a DMP?

Entering into a debt management plan is a good way to regain control of your debts. We can communicate with your creditors on your behalf so you can make reduced payments that are more affordable, and the best part we do it for FREE.
Unlike some companies, we don't charge our clients fees for a DMP so every penny you pay into your plan goes on reducing your debts.

The table below lets you compare debt management companies and their DMP fees.

Debt Management Company	Set Up Fee	Monthly Charge	Min/Max Monthly Fee
Payplan	FREE	FREE	FREE
Gregory Pennington	No	18.5%	£38.50 - £90
Debt Advisory Line	Yes - a setup fee of £40 is required	Rate varies	£30 - £55
Money Plus	Yes - the amount varies	17.5%	£30 minimum

If you want every penny you pay to go on reducing your debts, contact us TODAY.

Call FREE on 0800 280 2816, or complete and submit our Online form >>>

*Charges are made by these other debt management companies for the arrangement of a Debt Management Plan (information correct as of 15th December 2016).

Get debt help today

How are PayPlan Funded?

We receive donations from the credit industry. Our debt advice and debt management plans are 100% free.

Get free debt help

1,068

The amount of people we give FREE DEBT ADVICE to, on average, each week

£138,503,021

The total amount of debt WRITTEN OFF for PayPlan Partnership Limited clients in 2015.

55,941

The amount of people we gave FREE CONFIDENTIAL DEBT ADVICE to in 2015.

£21,287

The average debt level of our clients last year, BEFORE we helped them.

What our Clients say

We work hard to ensure we give our clients the best help and advice possible. We talk them through every suitable debt solution and offer continued support and assistance for as long as they need us. As a result of our service, our clients have left us some fantastic feedback and reviews.

Helpful and reassuring

After consulting a debt help agency I was put in touch with Payplan and thereafter they arranged for me to enter into an IVA. This has been running now for several months and has worked very well for me. I had been under tremendous strain because of my debt situation and I am now able to manage my finances without the constant stress and worry which I suffered previously. Payplan explained all of the options open to me; the staff were always helpful and reassuring and guided me through the entire process. I would recommend Payplan to anyone who finds themselves in a similar situation to myself.
Sandra - April 15
5

School closures and Coronavirus lockdown – how will all of this affect my finances?

The Coronavirus is causing changes to our daily lives. It’s hard to know how lockdown, school closures and changing working environments will affect our finances. One thing is for sure though, in all this uncertainty, our communities are really pulling together to offer free support and resources to support people. Here’s our roundup of what’s available for children and adults alike.

FREE DEBT ADVICE AND FREE DEBT MANAGEMENT PLANS

How can we help you?

Excellent service

I am now debt-free and loving life!

I can’t recommend PayPlan enough

It took the pressure off