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Hi, we're PayPlan.
Let's make things easier with simple debt advice.

92% of people felt clearer about what to do with their debts after talking to us.

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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 .

Best time for us to call

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 316 1833

What is everyone saying?

Emma

excellent lots of support throughout, only problem was companys adding interest so plan is taking longer.

E

Joyce

I rely on DMP, they have been really helpful ,a very organised team and personal debt manager, always quick to respond to any question or query, ready to give advise…

J

Peter

After first contacting National Debtline, my case was taken up by PayPlan. At each stage I was treated sympathetically with each solution explained clearly. With my DMP, PayPlan have helped…

P

“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.