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Welcome to PayPlan, Santander’s partner.

We can make life more affordable by reducing the amount you pay towards your debts, freeing up more money for you and your family.

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  • Answer a few simple questions
  • Choose help by phone or Online
  • Get your personalised debt solution
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We could offer you a solution that will reduce your monthly payments with the potential of freezing interest and charges, and even writing off some of the debt.

The options PayPlan can offer

The options PayPlan can offer vary depending on your situation, and there is no obligation to progress if you do not wish. We will simply talk through the different solutions to help you decide what is best for you. For more information on the solutions we offer/advise on, please see: and .

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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.

Rather talk on the phone?

Call now: 0800 980 4162

What is everyone saying?

Kim

The plan itself is excellent, it is a struggle at times to find the money but we try and manage to pay on time, every month.

K

Geoffrey

Just about golding my own due to health/age problems

G

Susan

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

S

“If you suffer in silence, things will get a hell of a lot worse!”

Kevin contacted us after falling into debt and he struggled to find ways of affording the most basic of needs. During one period, he had to resort to eating frozen bread for tea every night and had frequent suicidal thoughts.