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Free help & advice

Welcome to PayPlan! Following your visit to the struggling financially area of the RBS website, it may be that you would benefit from some additional help and advice. PayPlan provide a wide range of support and services to customers who may need help with making their money go further, or are concerned about their debts.

Let’s make life more affordable

You’re just two steps away from taking back control of your finances and freeing up more money for you and your family.

No impact on your credit score.

Excellent, professional, friendly and empathetic service. PayPlan have given us our lives back!
Sandra Daly

Sandra Daly

5 stars
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What is an IVA?

An Individual Voluntary Arrangement (IVA) is an agreement with the people you owe money to. You make affordable payments over a period of time (usually 5-6 years) and at the end, your remaining debts are written off.

What is a Debt Management Plan?

A debt management plan (DMP) allows you to pay back your creditors each month at an amount you can afford. The DMP lasts until you have repaid your debts in full or your circumstances improve.

What is a Self-employed IVA?

A self-employed Individual Voluntary Arrangement (IVA) is an agreement to pay back what you owe whilst still running your business. You make affordable payments over a period of time (usually 5-6 years) and at the end, your remaining debts are written off.

What is a Debt Relief Order?

A debt relief order is a solution available if you are not able to afford any payments to people you owe to. It freezes debts for a year at which time they are written off if your circumstances have not improved.

What is Bankruptcy?

Bankruptcy is a type of insolvency that involves applying to the court in order to clear your debts. There is an upfront fee and you may be required to make payments from your earnings into the bankruptcy for up to 3 years.
Excellent, professional, friendly and empathetic service. PayPlan have given us our lives back!
Sandra Daly

Sandra Daly

5 stars
100% secure & confidential

Rather talk on the phone?

Call now: 0800 316 1833

What is everyone saying?

Susan

Staff are extremely helpful and considerate and are prepared to listen not judge

S

Diana

Being able to make affordable payments have taken away a lot of the stress of trying to juggle money every month

D

Karen

Took the stress and frustration out of paying debts

K

“If you suffer in silence, things will get worse!”

Kevin contacted us after falling into debt and he was struggling to find ways of affording the most basic of needs.