Free and confidential debt help for police officers, police staff and their families.

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

We’ve been helping police officers in difficult financial situations similar to yours for over 20 years, and during that time we’ve developed a wide range of practical, long-term solutions that can not only help to manage your debt, but also enable you to live your life.

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Based on the information you've provided, we believe we can offer you a solution that will reduce the amount you're paying to your creditors, and it may be possible to write-off some of your debt.

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PayPlan can help you

PayPlan is a debt management company with an excellent reputation for free debt advice and support. They listen to you with sympathy and impartiality, and then provide appropriate debt solutions that really are an affordable and sustainable way out of debt.

Talking to a reputable debt management company like PayPlan demonstrates that you’re serious about addressing your debts, and this alone can result in a more positive relationship with your creditors. In fact by maintaining a PayPlan debt solution, you could find that you won’t be contacted by your creditors at all with any demands for payment!

So once you begin a debt solution with PayPlan, for as long as you keep to your new affordable repayments, you can enjoy peace of mind knowing that you’re paying into a debt plan that really can help you achieve freedom from debt.

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Helping consumers move from a fee charging DMP to free DMP

Many of you will be aware that the FCA are currently making decisions about which Debt Management firms should receive full authorisation. It is estimated that there are over 400K consumers in a Debt Management Plan (DMP) and these decisions could leave many without a DMP provider going forward. 

The largest firm to exit the market to date has been PDHL where 13,000 clients were impacted, all having to find a new provider or try and deal with multiple creditors independently, a very scary proposition through no fault of their own.  Feedback that we have received from creditors suggests that even now, several months after closure, 50% of PDHL clients are yet to resume payments or positively engage.

It is clear from the PDHL fallout that consumers need to be engaged earlier in the exit process and given swift direct access to free debt advice. By working with exiting firms PayPlan have devised a pro-active ‘rescue service’ that prevents clients ever becoming orphaned and in many cases delivers a smooth transition from a fee charging plan to free PayPlan DMP.

How does it work?

  • The exiting firm works with PayPlan for an agreed period of time (typically 3 months) BEFORE their permissions lapse
  • During that period the firm calls all of their clients informing them that they can no longer represent them and offer a hotkey referral over to PayPlan
  • PayPlan receive the referral and the client progresses through our advice process arriving at the appropriate solution
  • This gives the client ample time to set up a new arrangement prior to the firm closing which means no payments are missed to creditors

What do the results look like?

We have recently completed a rescue of Ashley Park and Express Debt (circa 2,300 clients).

  • 83% of clients agreed to be referred to PayPlan
  • 90% of those agreed to complete a full assessment
  • 73% of those assessments resulted in a DMP outcome (client moving from fee to free)
  • On average we achieved a 45% surplus uplift in DMP payments meaning the client will now become debt free quicker

We are delighted to be able to rescue these clients and hope to complete more rescue exercises in the coming months.

PayPlan advises on a wide range of solutions

PayPlan’s support includes free advice, debt management plans, Individual Voluntary Arrangements and your own personal case officer, as well as complementary support such as whole of market remortgaging, and exclusive member services that can reduce the amount you currently pay for insuring your home, car, house contents, and much more besides.

An IVA (INDIVIDUAL VOLUNTARY ARRANGEMENT) is a formal agreement between you and your creditors – the people you owe money to.

It works by you agreeing to REPAY A PERCENTAGE of your debt in affordable monthly payments over a given time (typically around five years), and they agree to write off any outstanding debt once your final IVA payment is made. If you have an unsecured debt of £7,500 or more, an IVA could be the right choice for you.

It’s a practical, easy-to-understand debt solution that enables you to manage your debt WITHOUT WORRY or despair. As an IVA is a legally binding agreement between you and your creditors, there’s no chance of any nasty surprises along the way. By embarking on an IVA, you will be entered into a public register and your credit rating could be adversely affected.

And, although your monthly payments may be lower, your repayment period could be longer – this will largely depend on the percentage of debt your creditor is willing to write off. A PayPlan Individual Voluntary Arrangement can only be offered to English, Welsh and Northern Irish residents.

One of the most unsettling aspects of being in debt is dealing with the demands and threats from your creditors – the people you owe money to. By taking advantage of a Debt Management Plan from PayPlan, we can help REDUCE THE WORRY by dealing with your creditors for you.

Enabling you to concentrate on repaying your debt at a realistic, affordable rate completely FREE OF CHARGE, meaning everything you pay goes to your creditors.  It could be the right solution for you if you have more than £5,000 in unsecured debts and are struggling to make the repayments.

No matter what circumstances are causing your current money worries, it’s important for you to take POSITIVE STEPS to resolve them sooner rather than later. And, although your regular repayments may be lower, your repayment period could be longer and the total amount payable higher.

Like the majority of debt solutions, entering into a Debt Management Plan will affect your credit rating and as they are not legally binding agreements, your creditors do not have to accept the proposal.

Running your own business can be hard work and you can do without the added struggle of managing a debt. That’s why PayPlan has a debt management solution tailored especially for the self-employed. It’s called a Self-Employed IVA(Individual Voluntary Arrangement).

A clear and straightforward way to clear your debt with regular, affordable payments, a Self-Employed IVA is a legally binding agreement between you and your creditors. It helps you to avoid bankruptcy or liquidation by you taking responsibility for PAYING OFF PART OF YOUR DEBT over a fixed period.

To qualify for a Self-Employed IVA, you must have a viable business with a debt of £10,000 or more. It’s a practical, easyto-understand debt solution that enables you to manage your debt WITHOUT WORRY or despair. (Self-Employed IVAs are not available in Scotland – read about our alternative debt solutions for Scottish businesses).

Starting on a Self-Employed IVA means you will be entered into a public register and your credit rating, and as a consequence your business, could be adversely affected.

Your monthly payments may be lower but your repayment period could be extended – this will depend on the percentage of written off debt your creditors are willing to accept.

Similar to an Individual Voluntary Arrangement (IVA) that’s available to all other UK residents, a Scottish Trust Deed is an agreement between you and your creditors – the people you owe money to.

It works by you agreeing to REPAY A PERCENTAGE of your debt in affordable monthly payments over a given time – usually around four or five years. And your creditors agree to WRITE OFF any outstanding debt at the end of your Trust Deed.

If you live in Scotland and have an unsecured debt of £5,000 or more, a Trust Deed could be the right solution for you. It’s the preferred solution for many people as it enables them to avoid Sequestration (bankruptcy), and all the unsettling consequences that come with it. By embarking on a Trust Deed, you will be entered into a public register and your credit rating could be adversely affected.

And, although your monthly payments may be lower, your repayment period could be longer – this will largely depend on the percentage of debt your creditors are willing to write off. And remember, we don’t just provide Trust Deeds. We can offer other workable solutions for Scottish residents, including the government-run Debt Arrangement Scheme (DAS) and the more informal Debt Management Plan.”

Simply put, bankruptcy can occur when an individual’s debts are greater than his or her assets. Declaring bankruptcy means an individual is financially insolvent and can be relieved of outstanding debts. It is often considered as a last resort for people with serious and ongoing debt problems.

A court will only make a bankruptcy order once a petition has been presented. A petition is made either by you or by a creditor to whom you owe an unsecured debt to the value of £750 or more.  Once a bankruptcy order has been made, the official receiver will give written notice of the order to a number of organisations; this will include the order being advertised in the London Gazette (an official publication containing legal notices) and your local newspaper.

There are certainly disadvantages to bankruptcy that you must be aware of. Once you are made bankrupt, you will no longer be in control of your assets. The only things you may keep are items or equipment needed for work or items needed for household purposes, i.e. bedding, furniture, clothing and other basic household necessities. 

All other assets will be disposed of by either the IP (Insolvency Practitioner) or the OR (Official Receiver) for sale, they will use the monies to go towards the fees and costs and expenses of the bankruptcy and then your creditors.

Interested in taking control of your debts?

Your free debt support can begin today. Simply contact PayPlan for debt help and advice free on 0800 280 2816 or use the online form

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