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FREE DEBT ADVICE
Get debt advice online. Our advisers give you the same help, support, and guidance that you’d get over the phone through our digital channels: live chat, email and our step-by-step debt solution too, PlanFinder. Another bonus of online debt advice is that you can save your details and complete your session later if you’re pushed fortime.
SELF-EMPLOYED DEBT HELP At PayPlan, we specialise in providing debt advice to a range of different businesses, such as sole traders and limited companies, all dealing with a variety of problems. If you’re self-employed and struggling under the weight of debt, it might be time to seek help. Get in touch online or give us a call on 0800 280 2816. DEBT AND DOMESTIC ABUSE Debt and Domestic Abuse What is domestic abuse? Domestic abuse refers to a pattern of incidents of controlling behaviour, violence and abuse. It can be physical or psychological In the majority of cases abuse is by a partner or ex-partner, but it can also be caused by a family member or carer and can happen during a relationship or afterit has ended.
PAYING OFF AN IVA EARLY Paying Off an IVA Early. If your circumstances change or you receive a large windfall while you complete an IVA, you may be wondering if you should settle it early and whether this is actually possible.. We’re happy to confirm that it can be done – and it means you can release yourself from the constraints of an IVA sooner than expected. CAN I SELL MY HOUSE AFTER AN IVA? Can I sell my house after an IVA? If you’re considering an IVA (Individual Voluntary Arrangement), you’re probably wondering if once the insolvency solution is complete, you can sell your home. An IVA and your property. The risk of losing your home can be stressful but there is no requirement for you to sell your property as part ofan IVA.
CAN A DEBT MANAGEMENT PLAN TAKE MY PENSION? Can a Debt Management Plan Take My Pension? Written by Will Lyon on 24 July 2019. What is a DMP? A Debt Management Plan (DMP for short), is a way for you to pay back your unsecured debt in manageable instalments.. DMPs are one of the most common debt solutions in the UK, and are authorised and regulated by the Financial ConductAuthority.
CAN DEBT COLLECTION AGENCIES TAKE YOU TO COURT? Debt collection agencies may take you to court on behalf of a creditor if they have been unable to contact you in their attempts to recover a debt. Before being threatened by court action, the debt collection agency must have first sent you a warning letter. The nature of the warning letter depends on the type of debt, but the most common is a PERSON AT RISK OF VIOLENCE (PARV) ORDER PERSON AT RISK OF VIOLENCE (PARV) ORDER If having your address made public will put you or your family members at risk of violence, thenyou may want to
CAN I GET REDUNDANCY PAY IF I AM OVER 65? The maximum amount of statutory redundancy pay you could receive is 15,750, and this is capped up to 20 years of service. You will be entitled to: Half a week’s pay for each year of employment if under the age of 22. A week’s pay for each year of employment if aged between 22 and 40. A week and a half’s pay for each year ofemployment
PAYPLAN | FREE DEBT ADVICE AND FREE DEBT MANAGEMENT. IVASDEBT SOLUTIONSFREE DEBT ADVICEWHY CHOOSE PAYPLANBLOGCONTACT US We receive donations from the credit industry. Our debt advice and debt management plans are 100% free. Get free debt help. 70,000. Over 70,000 people used our digital debt solution tool in 2019. 112,276. In 2019, we helped 112,276 people who came to us for debt advice.FREE DEBT ADVICE
Get debt advice online. Our advisers give you the same help, support, and guidance that you’d get over the phone through our digital channels: live chat, email and our step-by-step debt solution too, PlanFinder. Another bonus of online debt advice is that you can save your details and complete your session later if you’re pushed fortime.
SELF-EMPLOYED DEBT HELP At PayPlan, we specialise in providing debt advice to a range of different businesses, such as sole traders and limited companies, all dealing with a variety of problems. If you’re self-employed and struggling under the weight of debt, it might be time to seek help. Get in touch online or give us a call on 0800 280 2816. DEBT AND DOMESTIC ABUSE Debt and Domestic Abuse What is domestic abuse? Domestic abuse refers to a pattern of incidents of controlling behaviour, violence and abuse. It can be physical or psychological In the majority of cases abuse is by a partner or ex-partner, but it can also be caused by a family member or carer and can happen during a relationship or afterit has ended.
PAYING OFF AN IVA EARLY Paying Off an IVA Early. If your circumstances change or you receive a large windfall while you complete an IVA, you may be wondering if you should settle it early and whether this is actually possible.. We’re happy to confirm that it can be done – and it means you can release yourself from the constraints of an IVA sooner than expected. CAN I SELL MY HOUSE AFTER AN IVA? Can I sell my house after an IVA? If you’re considering an IVA (Individual Voluntary Arrangement), you’re probably wondering if once the insolvency solution is complete, you can sell your home. An IVA and your property. The risk of losing your home can be stressful but there is no requirement for you to sell your property as part ofan IVA.
CAN A DEBT MANAGEMENT PLAN TAKE MY PENSION? Can a Debt Management Plan Take My Pension? Written by Will Lyon on 24 July 2019. What is a DMP? A Debt Management Plan (DMP for short), is a way for you to pay back your unsecured debt in manageable instalments.. DMPs are one of the most common debt solutions in the UK, and are authorised and regulated by the Financial ConductAuthority.
CAN DEBT COLLECTION AGENCIES TAKE YOU TO COURT? Debt collection agencies may take you to court on behalf of a creditor if they have been unable to contact you in their attempts to recover a debt. Before being threatened by court action, the debt collection agency must have first sent you a warning letter. The nature of the warning letter depends on the type of debt, but the most common is a PERSON AT RISK OF VIOLENCE (PARV) ORDER PERSON AT RISK OF VIOLENCE (PARV) ORDER If having your address made public will put you or your family members at risk of violence, thenyou may want to
CAN I GET REDUNDANCY PAY IF I AM OVER 65? The maximum amount of statutory redundancy pay you could receive is 15,750, and this is capped up to 20 years of service. You will be entitled to: Half a week’s pay for each year of employment if under the age of 22. A week’s pay for each year of employment if aged between 22 and 40. A week and a half’s pay for each year ofemployment
WORKING FOR US
Let us know more about your situation (optional): Optional. Get free debt help. 100% secure and confidential. Talk to an adviser today. 0800 280 2816. Freephone (including all mobiles) Mon to Fri 8am-8pm.Sat 9am-3pm.
FREE DEBT ADVICE
Get debt advice online. Our advisers give you the same help, support, and guidance that you’d get over the phone through our digital channels: live chat, email and our step-by-step debt solution too, PlanFinder. Another bonus of online debt advice is that you can save your details and complete your session later if you’re pushed fortime.
CORONAVIRUS AND FRAUD Coronavirus and fraud. Written by Sam Critten on 24 March 2020. It’s encouraging to see that the majority of our society is pulling together during this difficult time, listening to the scientific advice set out by the government and helping each other where we can. SELF-EMPLOYED DEBT HELP At PayPlan, we specialise in providing debt advice to a range of different businesses, such as sole traders and limited companies, all dealing with a variety of problems. If you’re self-employed and struggling under the weight of debt, it might be time to seek help. Get in touch online or give us a call on 0800 280 2816. WHAT HAPPENS AT THE END OF AN IVA? PayPlan is a trading name of Totemic Limited. Totemic Limited is a limited company registered in England, Company Number: 2789854. Registered Office: Kempton House, Dysart Road, PO Box 9562, Grantham,NG31 0EA.
IVAS AND EMPLOYMENT
If you have any further questions about the effect of an IVA on your employment, get in touch with our debt advisers – call FREE on 0800 280 2816 or complete and submit a call back request. Our advisers will be able to assess whether an IVA is the right debt solution for you, and discuss any other solutions which might suit you better. CAN I SELL MY HOUSE AFTER AN IVA? Can I sell my house after an IVA? If you’re considering an IVA (Individual Voluntary Arrangement), you’re probably wondering if once the insolvency solution is complete, you can sell your home. An IVA and your property. The risk of losing your home can be stressful but there is no requirement for you to sell your property as part ofan IVA.
RENTING DURING AN IVA An IVA will affect your credit rating for at least six years so during this period you might find it difficult to rent a home. Your IVA will be removed from your credit reference file six years from the date your IVA was approved or in the event your IVA takes longer than sixyears, once it
CAN YOU BE MADE REDUNDANT WHILE YOUR JOB STILL EXISTS Can you be made redundant while your job still exists? Written by PayPlan on 17 October 2019. Being made redundant can be a stressful experience, and if you’ve got bills to pay and a family to look after it can be particularly distressing. CAN CREDITORS REFUSE A DEBT MANAGEMENT PLAN? Yes. Creditors are not obliged to accept a debt solution but they could accept a Debt Management Plan if they feel this is the best way for them to recover the money owed to them. You will have to put forward a firm and fair offer of payment to your creditors and outline how much you can afford to pay back each month. PAYPLAN | FREE DEBT ADVICE AND FREE DEBT MANAGEMENT. IVASDEBT SOLUTIONSFREE DEBT ADVICEWHY CHOOSE PAYPLANBLOGCONTACT US We receive donations from the credit industry. Our debt advice and debt management plans are 100% free. Get free debt help. 70,000. Over 70,000 people used our digital debt solution tool in 2019. 112,276. In 2019, we helped 112,276 people who came to us for debt advice. CONTACT US | FREE DEBT HELP & ADVICE | DEBT SOLUTIONS Contact Us New clients. If you haven’t contacted PayPlan before, we look forward to hearing from you! For FREE debt help and advice: Fill in the form with your details and one of our advisers will call youback.
PAYING OFF AN IVA EARLY Paying Off an IVA Early. If your circumstances change or you receive a large windfall while you complete an IVA, you may be wondering if you should settle it early and whether this is actually possible.. We’re happy to confirm that it can be done – and it means you can release yourself from the constraints of an IVA sooner than expected. DEBT AND DOMESTIC ABUSE Debt and Domestic Abuse What is domestic abuse? Domestic abuse refers to a pattern of incidents of controlling behaviour, violence and abuse. It can be physical or psychological In the majority of cases abuse is by a partner or ex-partner, but it can also be caused by a family member or carer and can happen during a relationship or afterit has ended.
BAILIFF | ENFORCEMENT AGENTS | DEBT ADVICE TOPICS | PAYPLAN Bailiff/Enforcement Agents What is a bailiff? An enforcement agent (or bailiff as they’re more commonly known) is someone who works on behalf of creditors. If you’ve ever watched shows like Can’t Pay, We’ll Take it Away you might have an idea of what a bailiff does,but not the
CAN YOU BE MADE REDUNDANT WHILE YOUR JOB STILL EXISTS Can you be made redundant while your job still exists? Written by PayPlan on 17 October 2019. Being made redundant can be a stressful experience, and if you’ve got bills to pay and a family to look after it can be particularly distressing. CAN I SELL MY HOUSE AFTER AN IVA? Can I sell my house after an IVA? If you’re considering an IVA (Individual Voluntary Arrangement), you’re probably wondering if once the insolvency solution is complete, you can sell your home. An IVA and your property. The risk of losing your home can be stressful but there is no requirement for you to sell your property as part ofan IVA.
PERSON AT RISK OF VIOLENCE (PARV) ORDER PERSON AT RISK OF VIOLENCE (PARV) ORDER If having your address made public will put you or your family members at risk of violence, thenyou may want to
CAN I GET REDUNDANCY PAY IF I AM OVER 65? The maximum amount of statutory redundancy pay you could receive is 15,750, and this is capped up to 20 years of service. You will be entitled to: Half a week’s pay for each year of employment if under the age of 22. A week’s pay for each year of employment if aged between 22 and 40. A week and a half’s pay for each year ofemployment
HOW TO STOP DEBT COLLECTION LETTERS IN THE UK You cannot stop a debt collection agency from sending you letters if they have a legitimate reason to do so. Some of the letters they send will be a legal requirement on their part to show you what the status of your debt is. The easiest way to prevent letters is to pay the debt. This is easier said than done and you should not do this if you PAYPLAN | FREE DEBT ADVICE AND FREE DEBT MANAGEMENT. IVASDEBT SOLUTIONSFREE DEBT ADVICEWHY CHOOSE PAYPLANBLOGCONTACT US We receive donations from the credit industry. Our debt advice and debt management plans are 100% free. Get free debt help. 70,000. Over 70,000 people used our digital debt solution tool in 2019. 112,276. In 2019, we helped 112,276 people who came to us for debt advice. CONTACT US | FREE DEBT HELP & ADVICE | DEBT SOLUTIONS Contact Us New clients. If you haven’t contacted PayPlan before, we look forward to hearing from you! For FREE debt help and advice: Fill in the form with your details and one of our advisers will call youback.
PAYING OFF AN IVA EARLY Paying Off an IVA Early. If your circumstances change or you receive a large windfall while you complete an IVA, you may be wondering if you should settle it early and whether this is actually possible.. We’re happy to confirm that it can be done – and it means you can release yourself from the constraints of an IVA sooner than expected. DEBT AND DOMESTIC ABUSE Debt and Domestic Abuse What is domestic abuse? Domestic abuse refers to a pattern of incidents of controlling behaviour, violence and abuse. It can be physical or psychological In the majority of cases abuse is by a partner or ex-partner, but it can also be caused by a family member or carer and can happen during a relationship or afterit has ended.
BAILIFF | ENFORCEMENT AGENTS | DEBT ADVICE TOPICS | PAYPLAN Bailiff/Enforcement Agents What is a bailiff? An enforcement agent (or bailiff as they’re more commonly known) is someone who works on behalf of creditors. If you’ve ever watched shows like Can’t Pay, We’ll Take it Away you might have an idea of what a bailiff does,but not the
CAN YOU BE MADE REDUNDANT WHILE YOUR JOB STILL EXISTS Can you be made redundant while your job still exists? Written by PayPlan on 17 October 2019. Being made redundant can be a stressful experience, and if you’ve got bills to pay and a family to look after it can be particularly distressing. CAN I SELL MY HOUSE AFTER AN IVA? Can I sell my house after an IVA? If you’re considering an IVA (Individual Voluntary Arrangement), you’re probably wondering if once the insolvency solution is complete, you can sell your home. An IVA and your property. The risk of losing your home can be stressful but there is no requirement for you to sell your property as part ofan IVA.
PERSON AT RISK OF VIOLENCE (PARV) ORDER PERSON AT RISK OF VIOLENCE (PARV) ORDER If having your address made public will put you or your family members at risk of violence, thenyou may want to
CAN I GET REDUNDANCY PAY IF I AM OVER 65? The maximum amount of statutory redundancy pay you could receive is 15,750, and this is capped up to 20 years of service. You will be entitled to: Half a week’s pay for each year of employment if under the age of 22. A week’s pay for each year of employment if aged between 22 and 40. A week and a half’s pay for each year ofemployment
HOW TO STOP DEBT COLLECTION LETTERS IN THE UK You cannot stop a debt collection agency from sending you letters if they have a legitimate reason to do so. Some of the letters they send will be a legal requirement on their part to show you what the status of your debt is. The easiest way to prevent letters is to pay the debt. This is easier said than done and you should not do this if you CONTACT US | FREE DEBT HELP & ADVICE | DEBT SOLUTIONS Contact Us New clients. If you haven’t contacted PayPlan before, we look forward to hearing from you! For FREE debt help and advice: Fill in the form with your details and one of our advisers will call youback.
FREE DEBT ADVICE
Get debt advice online. Our advisers give you the same help, support, and guidance that you’d get over the phone through our digital channels: live chat, email and our step-by-step debt solution too, PlanFinder. Another bonus of online debt advice is that you can save your details and complete your session later if you’re pushed fortime.
WHAT HAPPENS AT THE END OF AN IVA? What happens at the end of an IVA? After what might have felt a long time coming, you will finally be debt free. Once your IVA has been completed and your IP has finalised the last payment, you will be free to enjoy life knowing you have no more debt to worry about. You should also find that after a good few years living on a budget you now COUNTY COURT SUMMONS We recommend keeping a copy. Call PayPlan free on 0800 280 2816 or use our Debt Help Form to submit your debt problem online for free. We know how important it is to protect your family, home and livelihood and can help with all kinds of debt whatever your circumstances. Receiving a County Court Judgment (CCJ) claim form or Court Summonscan be
DEALING WITH BAILIFFS Dealing with bailiffs during Coronavirus. From 31 May 2021, restrictions on bailiffs visiting homes will be lifted. After 31 May, bailiffs will be able to enter into people’s homes to make Controlled Goods Agreements (CGAs) rather than making virtual CGAs – something bailiffs were doing previously in order to prevent thespread of Covid-19.
HOW TO WRITE A DEBT SETTLEMENT PROPOSAL LETTER How to write a debt settlement proposal letter. Debt settlement is something many people consider if they are able to offer a lump sum of money up front – usually less than the total amount owed – in the hope the creditor will agree to this and accept the debt as settled. IS IT LEGAL FOR DEBT COLLECTORS TO CALL FAMILY MEMBERS Creditors will use an array of different tactics to try and recover money if you owe a debt to them. Repeated phone calls, automated emails, endless letters reminding you of the consequences of not payingthe list goes on. If these don’t work, then another tactic CAN DEBT COLLECTION AGENCIES TAKE YOU TO COURT? Debt collection agencies may take you to court on behalf of a creditor if they have been unable to contact you in their attempts to recover a debt. Before being threatened by court action, the debt collection agency must have first sent you a warning letter. The nature of the warning letter depends on the type of debt, but the most common is a HOW LONG CAN MY CREDITORS CHASE ME? The time period between your last contact with the creditor – whether it was a payment made, a letter or a telephone conversation – has been six years, this means that the debt has become “statue barred” and the creditor is no longer allowed to pursue you for payment or take any further legal action against you. CAN CREDITORS REFUSE A DEBT MANAGEMENT PLAN? Yes. Creditors are not obliged to accept a debt solution but they could accept a Debt Management Plan if they feel this is the best way for them to recover the money owed to them. You will have to put forward a firm and fair offer of payment to your creditors and outline how much you can afford to pay back each month. PAYPLAN | FREE DEBT ADVICE AND FREE DEBT MANAGEMENT. IVASDEBT SOLUTIONSFREE DEBT ADVICEWHY CHOOSE PAYPLANBLOGCONTACT US We receive donations from the credit industry. Our debt advice and debt management plans are 100% free. Get free debt help. 70,000. Over 70,000 people used our digital debt solution tool in 2019. 112,276. In 2019, we helped 112,276 people who came to us for debt advice.FREE DEBT ADVICE
Get debt advice online. Our advisers give you the same help, support, and guidance that you’d get over the phone through our digital channels: live chat, email and our step-by-step debt solution too, PlanFinder. Another bonus of online debt advice is that you can save your details and complete your session later if you’re pushed fortime.
DEBT AND DOMESTIC ABUSE Debt and Domestic Abuse What is domestic abuse? Domestic abuse refers to a pattern of incidents of controlling behaviour, violence and abuse. It can be physical or psychological In the majority of cases abuse is by a partner or ex-partner, but it can also be caused by a family member or carer and can happen during a relationship or afterit has ended.
PAYING OFF AN IVA EARLY Paying Off an IVA Early. If your circumstances change or you receive a large windfall while you complete an IVA, you may be wondering if you should settle it early and whether this is actually possible.. We’re happy to confirm that it can be done – and it means you can release yourself from the constraints of an IVA sooner than expected. CAN I SELL MY HOUSE AFTER AN IVA? Can I sell my house after an IVA? If you’re considering an IVA (Individual Voluntary Arrangement), you’re probably wondering if once the insolvency solution is complete, you can sell your home. An IVA and your property. The risk of losing your home can be stressful but there is no requirement for you to sell your property as part ofan IVA.
RENTING DURING AN IVA An IVA will affect your credit rating for at least six years so during this period you might find it difficult to rent a home. Your IVA will be removed from your credit reference file six years from the date your IVA was approved or in the event your IVA takes longer than sixyears, once it
CAN A DEBT MANAGEMENT PLAN TAKE MY PENSION? Can a Debt Management Plan Take My Pension? Written by Will Lyon on 24 July 2019. What is a DMP? A Debt Management Plan (DMP for short), is a way for you to pay back your unsecured debt in manageable instalments.. DMPs are one of the most common debt solutions in the UK, and are authorised and regulated by the Financial ConductAuthority.
CAN DEBT COLLECTION AGENCIES TAKE YOU TO COURT? Debt collection agencies may take you to court on behalf of a creditor if they have been unable to contact you in their attempts to recover a debt. Before being threatened by court action, the debt collection agency must have first sent you a warning letter. The nature of the warning letter depends on the type of debt, but the most common is a CAN I GET REDUNDANCY PAY IF I AM OVER 65? The maximum amount of statutory redundancy pay you could receive is 15,750, and this is capped up to 20 years of service. You will be entitled to: Half a week’s pay for each year of employment if under the age of 22. A week’s pay for each year of employment if aged between 22 and 40. A week and a half’s pay for each year ofemployment
PERSON AT RISK OF VIOLENCE (PARV) ORDER PERSON AT RISK OF VIOLENCE (PARV) ORDER If having your address made public will put you or your family members at risk of violence, thenyou may want to
PAYPLAN | FREE DEBT ADVICE AND FREE DEBT MANAGEMENT. IVASDEBT SOLUTIONSFREE DEBT ADVICEWHY CHOOSE PAYPLANBLOGCONTACT US We receive donations from the credit industry. Our debt advice and debt management plans are 100% free. Get free debt help. 70,000. Over 70,000 people used our digital debt solution tool in 2019. 112,276. In 2019, we helped 112,276 people who came to us for debt advice. DEBT AND DOMESTIC ABUSE Debt and Domestic Abuse What is domestic abuse? Domestic abuse refers to a pattern of incidents of controlling behaviour, violence and abuse. It can be physical or psychological In the majority of cases abuse is by a partner or ex-partner, but it can also be caused by a family member or carer and can happen during a relationship or afterit has ended.
PAYPLAN APPOINTS NEW CHIEF OPERATING OFFICER PayPlan appoints new Chief Operating Officer. Written by Lizzie Marlow on 7 May 2021. PayPlan has appointed experienced strategic leader, Tasneem Bhamji, as Chief Operating Officer to transform it’s operation and lead its multi-channel debt advice service to meetincreased demand.
PAYING OFF AN IVA EARLY Paying Off an IVA Early. If your circumstances change or you receive a large windfall while you complete an IVA, you may be wondering if you should settle it early and whether this is actually possible.. We’re happy to confirm that it can be done – and it means you can release yourself from the constraints of an IVA sooner than expected. CAN I SELL MY HOUSE AFTER AN IVA? Can I sell my house after an IVA? If you’re considering an IVA (Individual Voluntary Arrangement), you’re probably wondering if once the insolvency solution is complete, you can sell your home. An IVA and your property. The risk of losing your home can be stressful but there is no requirement for you to sell your property as part ofan IVA.
RENTING DURING AN IVA An IVA will affect your credit rating for at least six years so during this period you might find it difficult to rent a home. Your IVA will be removed from your credit reference file six years from the date your IVA was approved or in the event your IVA takes longer than sixyears, once it
CAN A DEBT MANAGEMENT PLAN TAKE MY PENSION? Can a Debt Management Plan Take My Pension? Written by Will Lyon on 24 July 2019. What is a DMP? A Debt Management Plan (DMP for short), is a way for you to pay back your unsecured debt in manageable instalments.. DMPs are one of the most common debt solutions in the UK, and are authorised and regulated by the Financial ConductAuthority.
CAN DEBT COLLECTION AGENCIES TAKE YOU TO COURT? Debt collection agencies may take you to court on behalf of a creditor if they have been unable to contact you in their attempts to recover a debt. Before being threatened by court action, the debt collection agency must have first sent you a warning letter. The nature of the warning letter depends on the type of debt, but the most common is a CAN I GET REDUNDANCY PAY IF I AM OVER 65? The maximum amount of statutory redundancy pay you could receive is 15,750, and this is capped up to 20 years of service. You will be entitled to: Half a week’s pay for each year of employment if under the age of 22. A week’s pay for each year of employment if aged between 22 and 40. A week and a half’s pay for each year ofemployment
PERSON AT RISK OF VIOLENCE (PARV) ORDER PERSON AT RISK OF VIOLENCE (PARV) ORDER If having your address made public will put you or your family members at risk of violence, thenyou may want to
FREE DEBT ADVICE
Get debt advice online. Our advisers give you the same help, support, and guidance that you’d get over the phone through our digital channels: live chat, email and our step-by-step debt solution too, PlanFinder. Another bonus of online debt advice is that you can save your details and complete your session later if you’re pushed fortime.
SELF-EMPLOYED DEBT HELP At PayPlan, we specialise in providing debt advice to a range of different businesses, such as sole traders and limited companies, all dealing with a variety of problems. If you’re self-employed and struggling under the weight of debt, it might be time to seek help. Get in touch online or give us a call on 0800 280 2816. CORONAVIRUS AND FRAUD Coronavirus and fraud. Written by Sam Critten on 24 March 2020. It’s encouraging to see that the majority of our society is pulling together during this difficult time, listening to the scientific advice set out by the government and helping each other where we can. RENTING DURING AN IVA An IVA will affect your credit rating for at least six years so during this period you might find it difficult to rent a home. Your IVA will be removed from your credit reference file six years from the date your IVA was approved or in the event your IVA takes longer than sixyears, once it
HOW LONG DOES A DMP STAY ON YOUR CREDIT FILE? The accounts you are repaying your DMP through will already be listed on your credit report, and once the DMP is complete the marker will be removed and the accounts themselves will be marked as closed – they will then remain listed for six years from the settled date. If they are still open, they will be classed as being paid on time and in COUNTY COURT SUMMONS We recommend keeping a copy. Call PayPlan free on 0800 280 2816 or use our Debt Help Form to submit your debt problem online for free. We know how important it is to protect your family, home and livelihood and can help with all kinds of debt whatever your circumstances. Receiving a County Court Judgment (CCJ) claim form or Court Summonscan be
CAN A DEBT MANAGEMENT PLAN TAKE MY PENSION? Can a Debt Management Plan Take My Pension? Written by Will Lyon on 24 July 2019. What is a DMP? A Debt Management Plan (DMP for short), is a way for you to pay back your unsecured debt in manageable instalments.. DMPs are one of the most common debt solutions in the UK, and are authorised and regulated by the Financial ConductAuthority.
IVAS & MOVING ABROAD PayPlan is a trading name of Totemic Limited. Totemic Limited is a limited company registered in England, Company Number: 2789854. Registered Office: Kempton House, Dysart Road, PO Box 9562, Grantham,NG31 0EA.
CAN DEBT COLLECTION AGENCIES TAKE YOU TO COURT? Debt collection agencies may take you to court on behalf of a creditor if they have been unable to contact you in their attempts to recover a debt. Before being threatened by court action, the debt collection agency must have first sent you a warning letter. The nature of the warning letter depends on the type of debt, but the most common is a CAN CREDITORS REFUSE A DEBT MANAGEMENT PLAN? Yes. Creditors are not obliged to accept a debt solution but they could accept a Debt Management Plan if they feel this is the best way for them to recover the money owed to them. You will have to put forward a firm and fair offer of payment to your creditors and outline how much you can afford to pay back each month. PAYPLAN | FREE DEBT ADVICE AND FREE DEBT MANAGEMENT. IVASDEBT SOLUTIONSFREE DEBT ADVICEWHY CHOOSE PAYPLANBLOGCONTACT US We receive donations from the credit industry. Our debt advice and debt management plans are 100% free. Get free debt help. 70,000. Over 70,000 people used our digital debt solution tool in 2019. 112,276. In 2019, we helped 112,276 people who came to us for debt advice.FREE DEBT ADVICE
Get debt advice online. Our advisers give you the same help, support, and guidance that you’d get over the phone through our digital channels: live chat, email and our step-by-step debt solution too, PlanFinder. Another bonus of online debt advice is that you can save your details and complete your session later if you’re pushed fortime.
DEBT AND DOMESTIC ABUSE Debt and Domestic Abuse What is domestic abuse? Domestic abuse refers to a pattern of incidents of controlling behaviour, violence and abuse. It can be physical or psychological In the majority of cases abuse is by a partner or ex-partner, but it can also be caused by a family member or carer and can happen during a relationship or afterit has ended.
PAYING OFF AN IVA EARLY Paying Off an IVA Early. If your circumstances change or you receive a large windfall while you complete an IVA, you may be wondering if you should settle it early and whether this is actually possible.. We’re happy to confirm that it can be done – and it means you can release yourself from the constraints of an IVA sooner than expected. CAN I SELL MY HOUSE AFTER AN IVA? Can I sell my house after an IVA? If you’re considering an IVA (Individual Voluntary Arrangement), you’re probably wondering if once the insolvency solution is complete, you can sell your home. An IVA and your property. The risk of losing your home can be stressful but there is no requirement for you to sell your property as part ofan IVA.
RENTING DURING AN IVA An IVA will affect your credit rating for at least six years so during this period you might find it difficult to rent a home. Your IVA will be removed from your credit reference file six years from the date your IVA was approved or in the event your IVA takes longer than sixyears, once it
CAN A DEBT MANAGEMENT PLAN TAKE MY PENSION? Can a Debt Management Plan Take My Pension? Written by Will Lyon on 24 July 2019. What is a DMP? A Debt Management Plan (DMP for short), is a way for you to pay back your unsecured debt in manageable instalments.. DMPs are one of the most common debt solutions in the UK, and are authorised and regulated by the Financial ConductAuthority.
CAN DEBT COLLECTION AGENCIES TAKE YOU TO COURT? Debt collection agencies may take you to court on behalf of a creditor if they have been unable to contact you in their attempts to recover a debt. Before being threatened by court action, the debt collection agency must have first sent you a warning letter. The nature of the warning letter depends on the type of debt, but the most common is a CAN I GET REDUNDANCY PAY IF I AM OVER 65? The maximum amount of statutory redundancy pay you could receive is 15,750, and this is capped up to 20 years of service. You will be entitled to: Half a week’s pay for each year of employment if under the age of 22. A week’s pay for each year of employment if aged between 22 and 40. A week and a half’s pay for each year ofemployment
PERSON AT RISK OF VIOLENCE (PARV) ORDER PERSON AT RISK OF VIOLENCE (PARV) ORDER If having your address made public will put you or your family members at risk of violence, thenyou may want to
PAYPLAN | FREE DEBT ADVICE AND FREE DEBT MANAGEMENT. IVASDEBT SOLUTIONSFREE DEBT ADVICEWHY CHOOSE PAYPLANBLOGCONTACT US We receive donations from the credit industry. Our debt advice and debt management plans are 100% free. Get free debt help. 70,000. Over 70,000 people used our digital debt solution tool in 2019. 112,276. In 2019, we helped 112,276 people who came to us for debt advice.FREE DEBT ADVICE
Get debt advice online. Our advisers give you the same help, support, and guidance that you’d get over the phone through our digital channels: live chat, email and our step-by-step debt solution too, PlanFinder. Another bonus of online debt advice is that you can save your details and complete your session later if you’re pushed fortime.
DEBT AND DOMESTIC ABUSE Debt and Domestic Abuse What is domestic abuse? Domestic abuse refers to a pattern of incidents of controlling behaviour, violence and abuse. It can be physical or psychological In the majority of cases abuse is by a partner or ex-partner, but it can also be caused by a family member or carer and can happen during a relationship or afterit has ended.
PAYING OFF AN IVA EARLY Paying Off an IVA Early. If your circumstances change or you receive a large windfall while you complete an IVA, you may be wondering if you should settle it early and whether this is actually possible.. We’re happy to confirm that it can be done – and it means you can release yourself from the constraints of an IVA sooner than expected. CAN I SELL MY HOUSE AFTER AN IVA? Can I sell my house after an IVA? If you’re considering an IVA (Individual Voluntary Arrangement), you’re probably wondering if once the insolvency solution is complete, you can sell your home. An IVA and your property. The risk of losing your home can be stressful but there is no requirement for you to sell your property as part ofan IVA.
RENTING DURING AN IVA An IVA will affect your credit rating for at least six years so during this period you might find it difficult to rent a home. Your IVA will be removed from your credit reference file six years from the date your IVA was approved or in the event your IVA takes longer than sixyears, once it
CAN A DEBT MANAGEMENT PLAN TAKE MY PENSION? Can a Debt Management Plan Take My Pension? Written by Will Lyon on 24 July 2019. What is a DMP? A Debt Management Plan (DMP for short), is a way for you to pay back your unsecured debt in manageable instalments.. DMPs are one of the most common debt solutions in the UK, and are authorised and regulated by the Financial ConductAuthority.
CAN DEBT COLLECTION AGENCIES TAKE YOU TO COURT? Debt collection agencies may take you to court on behalf of a creditor if they have been unable to contact you in their attempts to recover a debt. Before being threatened by court action, the debt collection agency must have first sent you a warning letter. The nature of the warning letter depends on the type of debt, but the most common is a CAN I GET REDUNDANCY PAY IF I AM OVER 65? The maximum amount of statutory redundancy pay you could receive is 15,750, and this is capped up to 20 years of service. You will be entitled to: Half a week’s pay for each year of employment if under the age of 22. A week’s pay for each year of employment if aged between 22 and 40. A week and a half’s pay for each year ofemployment
PERSON AT RISK OF VIOLENCE (PARV) ORDER PERSON AT RISK OF VIOLENCE (PARV) ORDER If having your address made public will put you or your family members at risk of violence, thenyou may want to
FREE DEBT ADVICE
Get debt advice online. Our advisers give you the same help, support, and guidance that you’d get over the phone through our digital channels: live chat, email and our step-by-step debt solution too, PlanFinder. Another bonus of online debt advice is that you can save your details and complete your session later if you’re pushed fortime.
SELF-EMPLOYED DEBT HELP At PayPlan, we specialise in providing debt advice to a range of different businesses, such as sole traders and limited companies, all dealing with a variety of problems. If you’re self-employed and struggling under the weight of debt, it might be time to seek help. Get in touch online or give us a call on 0800 280 2816. CORONAVIRUS AND FRAUD Coronavirus and fraud. Written by Sam Critten on 24 March 2020. It’s encouraging to see that the majority of our society is pulling together during this difficult time, listening to the scientific advice set out by the government and helping each other where we can. RENTING DURING AN IVA An IVA will affect your credit rating for at least six years so during this period you might find it difficult to rent a home. Your IVA will be removed from your credit reference file six years from the date your IVA was approved or in the event your IVA takes longer than sixyears, once it
HOW LONG DOES A DMP STAY ON YOUR CREDIT FILE? The accounts you are repaying your DMP through will already be listed on your credit report, and once the DMP is complete the marker will be removed and the accounts themselves will be marked as closed – they will then remain listed for six years from the settled date. If they are still open, they will be classed as being paid on time and in COUNTY COURT SUMMONS We recommend keeping a copy. Call PayPlan free on 0800 280 2816 or use our Debt Help Form to submit your debt problem online for free. We know how important it is to protect your family, home and livelihood and can help with all kinds of debt whatever your circumstances. Receiving a County Court Judgment (CCJ) claim form or Court Summonscan be
CAN A DEBT MANAGEMENT PLAN TAKE MY PENSION? Can a Debt Management Plan Take My Pension? Written by Will Lyon on 24 July 2019. What is a DMP? A Debt Management Plan (DMP for short), is a way for you to pay back your unsecured debt in manageable instalments.. DMPs are one of the most common debt solutions in the UK, and are authorised and regulated by the Financial ConductAuthority.
IVAS & MOVING ABROAD PayPlan is a trading name of Totemic Limited. Totemic Limited is a limited company registered in England, Company Number: 2789854. Registered Office: Kempton House, Dysart Road, PO Box 9562, Grantham,NG31 0EA.
CAN DEBT COLLECTION AGENCIES TAKE YOU TO COURT? Debt collection agencies may take you to court on behalf of a creditor if they have been unable to contact you in their attempts to recover a debt. Before being threatened by court action, the debt collection agency must have first sent you a warning letter. The nature of the warning letter depends on the type of debt, but the most common is a CAN CREDITORS REFUSE A DEBT MANAGEMENT PLAN? Yes. Creditors are not obliged to accept a debt solution but they could accept a Debt Management Plan if they feel this is the best way for them to recover the money owed to them. You will have to put forward a firm and fair offer of payment to your creditors and outline how much you can afford to pay back each month. PAYPLAN | FREE DEBT ADVICE AND FREE DEBT MANAGEMENT. IVASDEBT SOLUTIONSFREE DEBT ADVICEWHY CHOOSE PAYPLANBLOGCONTACT US We receive donations from the credit industry. Our debt advice and debt management plans are 100% free. Get free debt help. 70,000. Over 70,000 people used our digital debt solution tool in 2019. 112,276. In 2019, we helped 112,276 people who came to us for debt advice. CONTACT US | FREE DEBT HELP & ADVICE | DEBT SOLUTIONS Contact Us New clients. If you haven’t contacted PayPlan before, we look forward to hearing from you! For FREE debt help and advice: Fill in the form with your details and one of our advisers will call youback.
CONTACT US | EXISTING CLIENTS | FREE DEBT HELP & ADVICE Trust Deed / Sequestration – 0800 197 7211. Bankruptcy / Debt Arrangement Scheme (DAS) / Minimal Asset Process (MAP) – 0800 197 7211. Debt Relief Order (DRO) / Repayment Arrangement (with your creditors) / DIY Debt Plan – 0800 009 4145. If you’re still going through the debt help and advice process, call us FREE on 0800 9177821. 2.
DEBT AND DOMESTIC ABUSE Debt and Domestic Abuse What is domestic abuse? Domestic abuse refers to a pattern of incidents of controlling behaviour, violence and abuse. It can be physical or psychological In the majority of cases abuse is by a partner or ex-partner, but it can also be caused by a family member or carer and can happen during a relationship or afterit has ended.
WHAT HAPPENS AT THE END OF AN IVA? What happens at the end of an IVA? After what might have felt a long time coming, you will finally be debt free. Once your IVA has been completed and your IP has finalised the last payment, you will be free to enjoy life knowing you have no more debt to worry about. You should also find that after a good few years living on a budget you now RENTING DURING AN IVA An IVA will affect your credit rating for at least six years so during this period you might find it difficult to rent a home. Your IVA will be removed from your credit reference file six years from the date your IVA was approved or in the event your IVA takes longer than sixyears, once it
CAN A DEBT MANAGEMENT PLAN TAKE MY PENSION? Can a Debt Management Plan Take My Pension? Written by Will Lyon on 24 July 2019. What is a DMP? A Debt Management Plan (DMP for short), is a way for you to pay back your unsecured debt in manageable instalments.. DMPs are one of the most common debt solutions in the UK, and are authorised and regulated by the Financial ConductAuthority.
CAN DEBT COLLECTION AGENCIES TAKE YOU TO COURT? Debt collection agencies may take you to court on behalf of a creditor if they have been unable to contact you in their attempts to recover a debt. Before being threatened by court action, the debt collection agency must have first sent you a warning letter. The nature of the warning letter depends on the type of debt, but the most common is a CAN I GET REDUNDANCY PAY IF I AM OVER 65? The maximum amount of statutory redundancy pay you could receive is 15,750, and this is capped up to 20 years of service. You will be entitled to: Half a week’s pay for each year of employment if under the age of 22. A week’s pay for each year of employment if aged between 22 and 40. A week and a half’s pay for each year ofemployment
HOW TO STOP DEBT COLLECTION LETTERS IN THE UK You cannot stop a debt collection agency from sending you letters if they have a legitimate reason to do so. Some of the letters they send will be a legal requirement on their part to show you what the status of your debt is. The easiest way to prevent letters is to pay the debt. This is easier said than done and you should not do this if you PAYPLAN | FREE DEBT ADVICE AND FREE DEBT MANAGEMENT. IVASDEBT SOLUTIONSFREE DEBT ADVICEWHY CHOOSE PAYPLANBLOGCONTACT US We receive donations from the credit industry. Our debt advice and debt management plans are 100% free. Get free debt help. 70,000. Over 70,000 people used our digital debt solution tool in 2019. 112,276. In 2019, we helped 112,276 people who came to us for debt advice. CONTACT US | FREE DEBT HELP & ADVICE | DEBT SOLUTIONS Contact Us New clients. If you haven’t contacted PayPlan before, we look forward to hearing from you! For FREE debt help and advice: Fill in the form with your details and one of our advisers will call youback.
CONTACT US | EXISTING CLIENTS | FREE DEBT HELP & ADVICE Trust Deed / Sequestration – 0800 197 7211. Bankruptcy / Debt Arrangement Scheme (DAS) / Minimal Asset Process (MAP) – 0800 197 7211. Debt Relief Order (DRO) / Repayment Arrangement (with your creditors) / DIY Debt Plan – 0800 009 4145. If you’re still going through the debt help and advice process, call us FREE on 0800 9177821. 2.
DEBT AND DOMESTIC ABUSE Debt and Domestic Abuse What is domestic abuse? Domestic abuse refers to a pattern of incidents of controlling behaviour, violence and abuse. It can be physical or psychological In the majority of cases abuse is by a partner or ex-partner, but it can also be caused by a family member or carer and can happen during a relationship or afterit has ended.
WHAT HAPPENS AT THE END OF AN IVA? What happens at the end of an IVA? After what might have felt a long time coming, you will finally be debt free. Once your IVA has been completed and your IP has finalised the last payment, you will be free to enjoy life knowing you have no more debt to worry about. You should also find that after a good few years living on a budget you now RENTING DURING AN IVA An IVA will affect your credit rating for at least six years so during this period you might find it difficult to rent a home. Your IVA will be removed from your credit reference file six years from the date your IVA was approved or in the event your IVA takes longer than sixyears, once it
CAN A DEBT MANAGEMENT PLAN TAKE MY PENSION? Can a Debt Management Plan Take My Pension? Written by Will Lyon on 24 July 2019. What is a DMP? A Debt Management Plan (DMP for short), is a way for you to pay back your unsecured debt in manageable instalments.. DMPs are one of the most common debt solutions in the UK, and are authorised and regulated by the Financial ConductAuthority.
CAN DEBT COLLECTION AGENCIES TAKE YOU TO COURT? Debt collection agencies may take you to court on behalf of a creditor if they have been unable to contact you in their attempts to recover a debt. Before being threatened by court action, the debt collection agency must have first sent you a warning letter. The nature of the warning letter depends on the type of debt, but the most common is a CAN I GET REDUNDANCY PAY IF I AM OVER 65? The maximum amount of statutory redundancy pay you could receive is 15,750, and this is capped up to 20 years of service. You will be entitled to: Half a week’s pay for each year of employment if under the age of 22. A week’s pay for each year of employment if aged between 22 and 40. A week and a half’s pay for each year ofemployment
HOW TO STOP DEBT COLLECTION LETTERS IN THE UK You cannot stop a debt collection agency from sending you letters if they have a legitimate reason to do so. Some of the letters they send will be a legal requirement on their part to show you what the status of your debt is. The easiest way to prevent letters is to pay the debt. This is easier said than done and you should not do this if you CONTACT US | EXISTING CLIENTS | FREE DEBT HELP & ADVICE Trust Deed / Sequestration – 0800 197 7211. Bankruptcy / Debt Arrangement Scheme (DAS) / Minimal Asset Process (MAP) – 0800 197 7211. Debt Relief Order (DRO) / Repayment Arrangement (with your creditors) / DIY Debt Plan – 0800 009 4145. If you’re still going through the debt help and advice process, call us FREE on 0800 9177821. 2.
CORONAVIRUS AND FRAUD Coronavirus and fraud. Written by Sam Critten on 24 March 2020. It’s encouraging to see that the majority of our society is pulling together during this difficult time, listening to the scientific advice set out by the government and helping each other where we can.THE IVA PROCESS
The IVA Process. An IVA is a legally binding debt solution that looks to protect the interests of both you (the debtor) and your creditors. Due to the nature of an IVA, there is a defined procedure that every IVA application must follow.BREATHING SPACE
Breathing Space is intended for anyone who is struggling with problem debt and needs legal protection from creditors for things such as bailiff action or eviction proceedings. It will also help anyone who cannot keep on top of their debt repayments due to interest and charges. It might not be the right option if you are able to repayyour debts
DO I QUALIFY FOR AN IVA? Do I Qualify for an IVA? An Individual Voluntary Arrangement (IVA) has many advantages – it’s a fast way to get out of debt (the debt solution usually lasts between five and six years) and it also ensures you only pay back what you can afford to your creditors. It’s a popular debt solution chosen by many people. In order to ensure this plan is the right option for your circumstances INDIVIDUAL VOLUNTARY ARRANGEMENTS AND PPI IVAs and Payment Protection Insurance (PPI) PPI mis-selling claims relate to Payment Protection Insurance that a Creditor may have mis-sold you whilst you had an agreement with them. You may not have known you were paying this insurance within your agreement, which is PAYING OFF AN IVA EARLY Paying Off an IVA Early. If your circumstances change or you receive a large windfall while you complete an IVA, you may be wondering if you should settle it early and whether this is actually possible.. We’re happy to confirm that it can be done – and it means you can release yourself from the constraints of an IVA sooner than expected. CAN I SELL MY HOUSE AFTER AN IVA? Can I sell my house after an IVA? If you’re considering an IVA (Individual Voluntary Arrangement), you’re probably wondering if once the insolvency solution is complete, you can sell your home. An IVA and your property. The risk of losing your home can be stressful but there is no requirement for you to sell your property as part ofan IVA.
IVAS & MOVING ABROAD PayPlan is a trading name of Totemic Limited. Totemic Limited is a limited company registered in England, Company Number: 2789854. Registered Office: Kempton House, Dysart Road, PO Box 9562, Grantham,NG31 0EA.
BAILIFF | ENFORCEMENT AGENTS | DEBT ADVICE TOPICS | PAYPLAN Bailiff/Enforcement Agents What is a bailiff? An enforcement agent (or bailiff as they’re more commonly known) is someone who works on behalf of creditors. If you’ve ever watched shows like Can’t Pay, We’ll Take it Away you might have an idea of what a bailiff does,but not the
PAYPLAN | FREE DEBT ADVICE AND FREE DEBT MANAGEMENT. IVASDEBT SOLUTIONSFREE DEBT ADVICEWHY CHOOSE PAYPLANBLOGCONTACT US We receive donations from the credit industry. Our debt advice and debt management plans are 100% free. Get free debt help. 70,000. Over 70,000 people used our digital debt solution tool in 2019. 112,276. In 2019, we helped 112,276 people who came to us for debt advice. CONTACT US | FREE DEBT HELP & ADVICE | DEBT SOLUTIONS Contact Us New clients. If you haven’t contacted PayPlan before, we look forward to hearing from you! For FREE debt help and advice: Fill in the form with your details and one of our advisers will call youback.
CONTACT US | EXISTING CLIENTS | FREE DEBT HELP & ADVICE Trust Deed / Sequestration – 0800 197 7211. Bankruptcy / Debt Arrangement Scheme (DAS) / Minimal Asset Process (MAP) – 0800 197 7211. Debt Relief Order (DRO) / Repayment Arrangement (with your creditors) / DIY Debt Plan – 0800 009 4145. If you’re still going through the debt help and advice process, call us FREE on 0800 9177821. 2.
DEBT AND DOMESTIC ABUSE Debt and Domestic Abuse What is domestic abuse? Domestic abuse refers to a pattern of incidents of controlling behaviour, violence and abuse. It can be physical or psychological In the majority of cases abuse is by a partner or ex-partner, but it can also be caused by a family member or carer and can happen during a relationship or afterit has ended.
WHAT HAPPENS AT THE END OF AN IVA? What happens at the end of an IVA? After what might have felt a long time coming, you will finally be debt free. Once your IVA has been completed and your IP has finalised the last payment, you will be free to enjoy life knowing you have no more debt to worry about. You should also find that after a good few years living on a budget you now RENTING DURING AN IVA An IVA will affect your credit rating for at least six years so during this period you might find it difficult to rent a home. Your IVA will be removed from your credit reference file six years from the date your IVA was approved or in the event your IVA takes longer than sixyears, once it
CAN A DEBT MANAGEMENT PLAN TAKE MY PENSION? Can a Debt Management Plan Take My Pension? Written by Will Lyon on 24 July 2019. What is a DMP? A Debt Management Plan (DMP for short), is a way for you to pay back your unsecured debt in manageable instalments.. DMPs are one of the most common debt solutions in the UK, and are authorised and regulated by the Financial ConductAuthority.
CAN DEBT COLLECTION AGENCIES TAKE YOU TO COURT? Debt collection agencies may take you to court on behalf of a creditor if they have been unable to contact you in their attempts to recover a debt. Before being threatened by court action, the debt collection agency must have first sent you a warning letter. The nature of the warning letter depends on the type of debt, but the most common is a CAN I GET REDUNDANCY PAY IF I AM OVER 65? The maximum amount of statutory redundancy pay you could receive is 15,750, and this is capped up to 20 years of service. You will be entitled to: Half a week’s pay for each year of employment if under the age of 22. A week’s pay for each year of employment if aged between 22 and 40. A week and a half’s pay for each year ofemployment
HOW TO STOP DEBT COLLECTION LETTERS IN THE UK You cannot stop a debt collection agency from sending you letters if they have a legitimate reason to do so. Some of the letters they send will be a legal requirement on their part to show you what the status of your debt is. The easiest way to prevent letters is to pay the debt. This is easier said than done and you should not do this if you PAYPLAN | FREE DEBT ADVICE AND FREE DEBT MANAGEMENT. IVASDEBT SOLUTIONSFREE DEBT ADVICEWHY CHOOSE PAYPLANBLOGCONTACT US We receive donations from the credit industry. Our debt advice and debt management plans are 100% free. Get free debt help. 70,000. Over 70,000 people used our digital debt solution tool in 2019. 112,276. In 2019, we helped 112,276 people who came to us for debt advice. CONTACT US | FREE DEBT HELP & ADVICE | DEBT SOLUTIONS Contact Us New clients. If you haven’t contacted PayPlan before, we look forward to hearing from you! For FREE debt help and advice: Fill in the form with your details and one of our advisers will call youback.
CONTACT US | EXISTING CLIENTS | FREE DEBT HELP & ADVICE Trust Deed / Sequestration – 0800 197 7211. Bankruptcy / Debt Arrangement Scheme (DAS) / Minimal Asset Process (MAP) – 0800 197 7211. Debt Relief Order (DRO) / Repayment Arrangement (with your creditors) / DIY Debt Plan – 0800 009 4145. If you’re still going through the debt help and advice process, call us FREE on 0800 9177821. 2.
DEBT AND DOMESTIC ABUSE Debt and Domestic Abuse What is domestic abuse? Domestic abuse refers to a pattern of incidents of controlling behaviour, violence and abuse. It can be physical or psychological In the majority of cases abuse is by a partner or ex-partner, but it can also be caused by a family member or carer and can happen during a relationship or afterit has ended.
WHAT HAPPENS AT THE END OF AN IVA? What happens at the end of an IVA? After what might have felt a long time coming, you will finally be debt free. Once your IVA has been completed and your IP has finalised the last payment, you will be free to enjoy life knowing you have no more debt to worry about. You should also find that after a good few years living on a budget you now RENTING DURING AN IVA An IVA will affect your credit rating for at least six years so during this period you might find it difficult to rent a home. Your IVA will be removed from your credit reference file six years from the date your IVA was approved or in the event your IVA takes longer than sixyears, once it
CAN A DEBT MANAGEMENT PLAN TAKE MY PENSION? Can a Debt Management Plan Take My Pension? Written by Will Lyon on 24 July 2019. What is a DMP? A Debt Management Plan (DMP for short), is a way for you to pay back your unsecured debt in manageable instalments.. DMPs are one of the most common debt solutions in the UK, and are authorised and regulated by the Financial ConductAuthority.
CAN DEBT COLLECTION AGENCIES TAKE YOU TO COURT? Debt collection agencies may take you to court on behalf of a creditor if they have been unable to contact you in their attempts to recover a debt. Before being threatened by court action, the debt collection agency must have first sent you a warning letter. The nature of the warning letter depends on the type of debt, but the most common is a CAN I GET REDUNDANCY PAY IF I AM OVER 65? The maximum amount of statutory redundancy pay you could receive is 15,750, and this is capped up to 20 years of service. You will be entitled to: Half a week’s pay for each year of employment if under the age of 22. A week’s pay for each year of employment if aged between 22 and 40. A week and a half’s pay for each year ofemployment
HOW TO STOP DEBT COLLECTION LETTERS IN THE UK You cannot stop a debt collection agency from sending you letters if they have a legitimate reason to do so. Some of the letters they send will be a legal requirement on their part to show you what the status of your debt is. The easiest way to prevent letters is to pay the debt. This is easier said than done and you should not do this if you CONTACT US | EXISTING CLIENTS | FREE DEBT HELP & ADVICE Trust Deed / Sequestration – 0800 197 7211. Bankruptcy / Debt Arrangement Scheme (DAS) / Minimal Asset Process (MAP) – 0800 197 7211. Debt Relief Order (DRO) / Repayment Arrangement (with your creditors) / DIY Debt Plan – 0800 009 4145. If you’re still going through the debt help and advice process, call us FREE on 0800 9177821. 2.
CORONAVIRUS AND FRAUD Coronavirus and fraud. Written by Sam Critten on 24 March 2020. It’s encouraging to see that the majority of our society is pulling together during this difficult time, listening to the scientific advice set out by the government and helping each other where we can.THE IVA PROCESS
The IVA Process. An IVA is a legally binding debt solution that looks to protect the interests of both you (the debtor) and your creditors. Due to the nature of an IVA, there is a defined procedure that every IVA application must follow.BREATHING SPACE
Breathing Space is intended for anyone who is struggling with problem debt and needs legal protection from creditors for things such as bailiff action or eviction proceedings. It will also help anyone who cannot keep on top of their debt repayments due to interest and charges. It might not be the right option if you are able to repayyour debts
DO I QUALIFY FOR AN IVA? Do I Qualify for an IVA? An Individual Voluntary Arrangement (IVA) has many advantages – it’s a fast way to get out of debt (the debt solution usually lasts between five and six years) and it also ensures you only pay back what you can afford to your creditors. It’s a popular debt solution chosen by many people. In order to ensure this plan is the right option for your circumstances INDIVIDUAL VOLUNTARY ARRANGEMENTS AND PPI IVAs and Payment Protection Insurance (PPI) PPI mis-selling claims relate to Payment Protection Insurance that a Creditor may have mis-sold you whilst you had an agreement with them. You may not have known you were paying this insurance within your agreement, which is PAYING OFF AN IVA EARLY Paying Off an IVA Early. If your circumstances change or you receive a large windfall while you complete an IVA, you may be wondering if you should settle it early and whether this is actually possible.. We’re happy to confirm that it can be done – and it means you can release yourself from the constraints of an IVA sooner than expected. CAN I SELL MY HOUSE AFTER AN IVA? Can I sell my house after an IVA? If you’re considering an IVA (Individual Voluntary Arrangement), you’re probably wondering if once the insolvency solution is complete, you can sell your home. An IVA and your property. The risk of losing your home can be stressful but there is no requirement for you to sell your property as part ofan IVA.
IVAS & MOVING ABROAD PayPlan is a trading name of Totemic Limited. Totemic Limited is a limited company registered in England, Company Number: 2789854. Registered Office: Kempton House, Dysart Road, PO Box 9562, Grantham,NG31 0EA.
BAILIFF | ENFORCEMENT AGENTS | DEBT ADVICE TOPICS | PAYPLAN Bailiff/Enforcement Agents What is a bailiff? An enforcement agent (or bailiff as they’re more commonly known) is someone who works on behalf of creditors. If you’ve ever watched shows like Can’t Pay, We’ll Take it Away you might have an idea of what a bailiff does,but not the
PAYPLAN | FREE DEBT ADVICE AND FREE DEBT MANAGEMENT. IVASDEBT SOLUTIONSFREE DEBT ADVICEWHY CHOOSE PAYPLANBLOGCONTACT US PayPlan is a trading name of Totemic Limited. Totemic Limited is a limited company registered in England, Company Number: 2789854. Registered Office: Kempton House, Dysart Road, PO Box 9562, Grantham,NG31 0EA.
CONTACT US | FREE DEBT HELP & ADVICE | DEBT SOLUTIONSFREE DEBT MANAGEMENT PLANDEBT MANAGEMENT COMPANIES LISTDEBT MANAGEMENT COMPANIES NON PROFITDEBT MANAGEMENT PLAN ONLINEREPUTABLE DEBT MANAGEMENTCOMPANIES
Contact Us New clients. If you haven’t contacted PayPlan before, we look forward to hearing from you! For FREE debt help and advice: Fill in the form with your details and one of our advisers will call youback.
CONTACT US | EXISTING CLIENTS | FREE DEBT HELP & ADVICE PayPlan is a trading name of Totemic Limited. Totemic Limited is a limited company registered in England, Company Number: 2789854. Registered Office: Kempton House, Dysart Road, PO Box 9562, Grantham,NG31 0EA.
DEBT AND DOMESTIC ABUSE Debt and Domestic Abuse What is domestic abuse? Domestic abuse refers to a pattern of incidents of controlling behaviour, violence and abuse. It can be physical or psychological In the majority of cases abuse is by a partner or ex-partner, but it can also be caused by a family member or carer and can happen during a relationship or afterit has ended.
CORONAVIRUS AND FRAUD Coronavirus and fraud. Written by Sam Critten on 24 March 2020. It’s encouraging to see that the majority of our society is pulling together during this difficult time, listening to the scientific advice set out by the government and helping each other where we can. CAN I GET REDUNDANCY PAY IF I AM OVER 65? Can I Get Redundancy Pay if I am Over 65? Written by Tom James on 3 December 2019. It used to be that most people were retired by the age of 65. Unfortunately however, this is RENTING DURING AN IVA PayPlan is a trading name of Totemic Limited. Totemic Limited is a limited company registered in England, Company Number: 2789854. Registered Office: Kempton House, Dysart Road, PO Box 9562, Grantham,NG31 0EA.
INDIVIDUAL VOLUNTARY ARRANGEMENTS AND PPI PayPlan is a trading name of Totemic Limited. Totemic Limited is a limited company registered in England, Company Number: 2789854. Registered Office: Kempton House, Dysart Road, PO Box 9562, Grantham,NG31 0EA.
CAN A DEBT MANAGEMENT PLAN TAKE MY PENSION? Can a Debt Management Plan Take My Pension? Written by Will Lyon on 24 July 2019. What is a DMP? A Debt Management Plan (DMP for short), is a way for you to pay back your unsecured debt in manageable instalments.. DMPs are one of the most common debt solutions in the UK, and are authorised and regulated by the Financial ConductAuthority.
CAN DEBT COLLECTION AGENCIES TAKE YOU TO COURT? Can Debt Collection Agencies Take You to Court? Written by Will Lyon on 1 May 2019. Debt collection agencies work on behalf of creditors to collect a debt you’ve been unable to pay. PAYPLAN | FREE DEBT ADVICE AND FREE DEBT MANAGEMENT. IVASDEBT SOLUTIONSFREE DEBT ADVICEWHY CHOOSE PAYPLANBLOGCONTACT US PayPlan is a trading name of Totemic Limited. Totemic Limited is a limited company registered in England, Company Number: 2789854. Registered Office: Kempton House, Dysart Road, PO Box 9562, Grantham,NG31 0EA.
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Contact Us New clients. If you haven’t contacted PayPlan before, we look forward to hearing from you! For FREE debt help and advice: Fill in the form with your details and one of our advisers will call youback.
CONTACT US | EXISTING CLIENTS | FREE DEBT HELP & ADVICE PayPlan is a trading name of Totemic Limited. Totemic Limited is a limited company registered in England, Company Number: 2789854. Registered Office: Kempton House, Dysart Road, PO Box 9562, Grantham,NG31 0EA.
DEBT AND DOMESTIC ABUSE Debt and Domestic Abuse What is domestic abuse? Domestic abuse refers to a pattern of incidents of controlling behaviour, violence and abuse. It can be physical or psychological In the majority of cases abuse is by a partner or ex-partner, but it can also be caused by a family member or carer and can happen during a relationship or afterit has ended.
CORONAVIRUS AND FRAUD Coronavirus and fraud. Written by Sam Critten on 24 March 2020. It’s encouraging to see that the majority of our society is pulling together during this difficult time, listening to the scientific advice set out by the government and helping each other where we can. CAN I GET REDUNDANCY PAY IF I AM OVER 65? Can I Get Redundancy Pay if I am Over 65? Written by Tom James on 3 December 2019. It used to be that most people were retired by the age of 65. Unfortunately however, this is RENTING DURING AN IVA PayPlan is a trading name of Totemic Limited. Totemic Limited is a limited company registered in England, Company Number: 2789854. Registered Office: Kempton House, Dysart Road, PO Box 9562, Grantham,NG31 0EA.
INDIVIDUAL VOLUNTARY ARRANGEMENTS AND PPI PayPlan is a trading name of Totemic Limited. Totemic Limited is a limited company registered in England, Company Number: 2789854. Registered Office: Kempton House, Dysart Road, PO Box 9562, Grantham,NG31 0EA.
CAN A DEBT MANAGEMENT PLAN TAKE MY PENSION? Can a Debt Management Plan Take My Pension? Written by Will Lyon on 24 July 2019. What is a DMP? A Debt Management Plan (DMP for short), is a way for you to pay back your unsecured debt in manageable instalments.. DMPs are one of the most common debt solutions in the UK, and are authorised and regulated by the Financial ConductAuthority.
CAN DEBT COLLECTION AGENCIES TAKE YOU TO COURT? Can Debt Collection Agencies Take You to Court? Written by Will Lyon on 1 May 2019. Debt collection agencies work on behalf of creditors to collect a debt you’ve been unable to pay. CONTACT US | EXISTING CLIENTS | FREE DEBT HELP & ADVICE PayPlan is a trading name of Totemic Limited. Totemic Limited is a limited company registered in England, Company Number: 2789854. Registered Office: Kempton House, Dysart Road, PO Box 9562, Grantham,NG31 0EA.
SELF-EMPLOYED DEBT HELP PayPlan is a trading name of Totemic Limited. Totemic Limited is a limited company registered in England, Company Number: 2789854. Registered Office: Kempton House, Dysart Road, PO Box 9562, Grantham,NG31 0EA.
CORONAVIRUS AND FRAUD Coronavirus and fraud. Written by Sam Critten on 24 March 2020. It’s encouraging to see that the majority of our society is pulling together during this difficult time, listening to the scientific advice set out by the government and helping each other where we can.BREATHING SPACE
Breathing Space explained. If you are struggling with problem debt, you may be able to benefit from Breathing Space (also known as The Debt Respite Scheme or Breathing Space moratorium) to give you space and time to work out how to deal with them. INDIVIDUAL VOLUNTARY ARRANGEMENTS AND PPI PayPlan is a trading name of Totemic Limited. Totemic Limited is a limited company registered in England, Company Number: 2789854. Registered Office: Kempton House, Dysart Road, PO Box 9562, Grantham,NG31 0EA.
PAYING OFF AN IVA EARLY Paying Off an IVA Early. If your circumstances change or you receive a large windfall while you complete an IVA, you may be wondering if you should settle it early and whether this is actually possible.. We’re happy to confirm that it can be done – and it means you can release yourself from the constraints of an IVA sooner than expected. DO I QUALIFY FOR AN IVA? Do I Qualify for an IVA? An Individual Voluntary Arrangement (IVA) has many advantages – it’s a fast way to get out of debt (the debt solution usually lasts between five and six years) and it also ensures you only pay back what you can afford to your creditors. It’s a popular debt solution chosen by many people. In order to ensure this plan is the right option for your circumstances IVAS & MOVING ABROAD PayPlan is a trading name of Totemic Limited. Totemic Limited is a limited company registered in England, Company Number: 2789854. Registered Office: Kempton House, Dysart Road, PO Box 9562, Grantham,NG31 0EA.
CAN I SELL MY HOUSE AFTER AN IVA? Can I sell my house after an IVA? If you’re considering an IVA (Individual Voluntary Arrangement), you’re probably wondering if once the insolvency solution is complete, you can sell your home. An IVA and your property. The risk of losing your home can be stressful but there is no requirement for you to sell your property as part ofan IVA.
BAILIFF | ENFORCEMENT AGENTS | DEBT ADVICE TOPICS | PAYPLAN Bailiff/Enforcement Agents What is a bailiff? An enforcement agent (or bailiff as they’re more commonly known) is someone who works on behalf of creditors. If you’ve ever watched shows like Can’t Pay, We’ll Take it Away you might have an idea of what a bailiff does,but not the
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WELCOME TO ONE OF THE UK’S LEADING FREE DEBT ADVICE PROVIDERS Get help over the phone or online 24/7, WHICHEVER WORKS BEST FOR YOUGET STARTED NOW __
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_ _ If you need some extra time to deal with your debts, find out how Breathing Space could help. FREE DEBT ADVICE AND FREE DEBT MANAGEMENT PLANS As one of the UK’s leading FREE DEBT ADVICE providers, we offer trusted, expert help & advice to anyone struggling with multiple debts. Since 1992, we've helped over 1 MILLION people take control of their finances.WE OFFER:
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To find out the options available to you, call one of our friendly advisers on 0800 280 2816 for a confidential, reassuring chat or complete our online form .DEBT ADVICE
We can help with advice on bailiffs, legal action, benefits and more. You’ll find all the information you need by visiting our online advice section or live chat us now. Find my debt solution DO YOU HAVE MORE THAN ONE DEBT AND NEED A SOLUTION? * Enter a few simple details * Choose help online or by phone * Get your personalised debt solution! __Get free debt help What's your approximate level of debt? 0 – £3,999 £4,000 – £9,999 £10,000 – £19,999 £20,000+ You must select an answer before you may proceed__Next step
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GET INSTANT ADVICE ON OUR MOST FREQUENTLY ASKED QUESTIONS WITH ALL THE CONTACT DETAILS & ADDITIONAL HELP YOU’LL NEED.BAILIFFS
If you’ve got bailiffs at your door, do you know your rights? Find out what they can - and can’t do, here.Learn more
DEFAULT NOTICE
A default notice might seem scary but don’t panic. Get advice on dealing with your creditors now.Learn more
REPOSSESSION & EVICTION If your home is at risk, it’s important to act fast. Follow these steps to find out how to keep it safe.Learn more
RENT ARREARS
Read our step-by-step guide to dealing with your landlord and how to prioritise your rent payments.Learn more
View more debt advice topics 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. 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
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Over 70,000 people used our digital debt solution tool in 2019112,276
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Last year, we distributed £180 million to creditors on behalf of ourclients
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. MEET THE TEAM WHO MAKE IT HAPPEN MEET THE TEAM WHO MAKE IT HAPPEN IT’S OUR PEOPLE THAT MAKE US WHO WE ARE – and we’re proud to say that some of our team have been with us right from the very start. IF 2020 HAS TAUGHT US ANYTHING, IT’S THAT WE’RE REALLY GOOD AT ADAPTING THE WAY WE WORK. We found new ways to help the growing number of people who need it - come and say hi on Live Chat, WhatsApp andVideo chat!
WATCH OUR VIDEO TO FIND OUT WHAT HELPING OTHERS MEANS TO US. Whether you need a virtual hug, a shoulder-squeeze or some straight-talking advice, we’re on hand to offer support that goes beyond just debtsolutions.
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PayPlan is a trading name of Totemic Limited. Totemic Limited is a limited company registered in England, Company Number: 2789854. Registered Office: Kempton House, Dysart Road, PO Box 9562, Grantham, NG31 0EA. Totemic Limited is authorised and regulated by the Financial Conduct Authority. Financial Conduct Authority Number: 681263. Totemic, the Totemic logo, PayPlan and the PayPlan Logo are all trademarks of Totemic Limited. Totemic Limited refers customers to PayPlan Partnership and PayPlan Bespoke Solutions for Individual Voluntary Arrangements: PayPlan Partnership Limited is a limited company registered in England, Register No: 7199691 Registered offices: Kempton House, Dysart Road, PO Box 9562, Grantham, Lincolnshire, NG31 0EA. Licensed Insolvency Practitioners: NT Payne ACA FCCA MIPA MABRP Licensed by Insolvency Practitioners Association (UK). A P Smith MAAT MIPA MABRP Licensed by Insolvency Practitioners Association (UK). PayPlan and the PayPlan logo are trademarks of Totemic Limited. PayPlan Bespoke Solutions Limited is a limited company registered in England, Register No: 7079646 Registered offices: Kempton House, Dysart Road, PO Box 9562, Grantham, Lincolnshire, NG31 0EA. Licensed Insolvency Practitioner: NT Payne ACA FCCA MIPA MABRP Licensed by Insolvency Practitioners Association (UK). 0800 280 2816 Request Call BackTop of page
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