Get your finances and mental health back on track
Write off unaffordable debts and get mental
well-being assistance with our IVA plans.
- Write off 75%* of unaffordable debt
- One lower monthly payment
- Stop creditor hassle and bailiffs
- Access mental well-being services
Your credit rating may be affected if you opt for a debt solution.
Rated Excellent
100% FREE ADVICE
Get information today on your available options
Get your finances and mental health back on track
Write off unaffordable debts and get mental well-being assistance with our IVA plans.
- Write off 75%* of unaffordable debt
- One lower monthly payment
- Stop creditor hassle and bailiffs
- Access mental well-being services
Your credit rating may be affected if you opt for a debt solution.
100% FREE ADVICE
Get information today on your available options
As seen on:
Our IVA plans are like no other
We get it. Debt concerns can just be the tip of the iceberg in issues that are causing you mental anguish. From relationship issues, to mental health illnesses such as depression and anxiety. We understand there is more help you may need across the road to changing your life and leaving debt behind.
That’s why we offer more in our IVA plans.
Our aim is not only to relieve you of your debt issues, but the secondary and often more longer lasting problems falling into financial hardship can cause. Our holistic approach to financial wellness will help you combat debt, and any underlying problems that prevent you from enjoying a debt-free future.
Reasons to choose PennyPlan
- Stop all interest & charges
- Loans
- Access well-being services
- Reduce monthly payments
Reasons to choose PennyPlan
- Stop all interest & charges
- Write off debt
- Access well-being services
- Reduce monthly payments
Our IVA plans are like no other
We get it. Debt concerns can just be the tip of the iceberg in issues that are causing you mental anguish. From relationship issues, to mental health illnesses such as depression and anxiety. We understand there is more help you may need across the road to changing your life and leaving debt behind.
That’s why we offer more in our IVA plans.
Our aim is not only to relieve you of your debt issues, but the secondary and often more longer lasting problems falling into financial hardship can cause. Our holistic approach to financial wellness will help you combat debt, and any underlying problems that prevent you from enjoying a debt-free future.
Tackle your debt and your mental health in one place
Our team are committed to getting your finances and well-being back in top condition
Do I Qualify
For an IVA?
Do I Qualify
For an IVA?
Tackle your debt and your mental health in one place
Our team are committed to getting your finances and well-being back in top condition
Do I Qualify
For an IVA?
We help with most debts
*Mortgage debt can be included if you no longer own the property in question.
- Credit Cards
- Loans
- Overdrafts
- Store Cards
- Mortgages*
- Catalogues
- Council Tax
- Benefit Debts
- Utility Bills
- Payday Loans
- Credit Cards
- Loans
- Overdrafts
- Store Cards
- Mortgages*
- Catalogues
- Council Tax
- Benefit Debts
- Utility Bills
- Payday Loans
Example of an IVA
UNSECURED DEBTS
Your monthly repayments:
Find out for FREE what debt help is available to you
Subject to creditor acceptance. Payment subject to individual circumstances.
Credit Rating may be affected. Fees apply, subject to individuals circumstances.
Find out for FREE what debt help is available to you
Find out for FREE what debt help is available to you
How It Works?
Our straightforward process could see you working towards being debt free and improving your mental health
Enter Your Details
Consultation Call
Find Out Your Options
Affordability Check
We Contact Creditors
Improve your financial future
Do I Qualify
For an IVA?
Do I Qualify
For an IVA?
Understand your debt options
Our friendly team will make sure you understand all your options, so you can choose the best fit for your circumstances.
Understand your debt options
Our friendly team will make sure you understand all your options, so you can choose the best fit for your circumstances.
Debt Management Plan (DMP)
An informal arrangement between you and your creditors that lets you make lower monthly payments, whilst still paying the total amount of debt.
Individual Voluntary Arrangement (IVA)
A formal agreement between you and your creditors. You make affordable monthly payments over fixed period with debt written off at completion.
Debt Relief
Order (DRO)
A debt relief order (DRO) is a formal debt solution for those who have no assets such as car or property. Eligibility criteria does apply.
Bankruptcy
A formal insolvency procedure that involves applying to the court for an order to clear your debts. Monthly payments to your debts may still apply.
Debt Management Plan (DMP)
An informal arrangement between you and your creditors that lets you make lower monthly payments, whilst still paying the total amount of debt.
Individual Voluntary Arrangement (IVA)
A formal agreement between you and your creditors. You make affordable monthly payments over fixed period with debt written off at completion.
Debt Relief
Order (DRO)
A debt relief order (DRO) is a formal debt solution for those who have no assets such as car or property. Eligibility criteria does apply.
Bankruptcy
A formal insolvency procedure that involves applying to the court for an order to clear your debts. Monthly payments to your debts may still apply.
What our customers say about us
Maria
3 days ago
PennyPlan were extremely professional and genuinely caring, I am very happy that I made the call and now have a plan in place and peace of mind. From the first contact to the signing of the agreement it was straight forward and simple plus the staff really are exceptional in the way they listen and understand’ I couldn’t have asked for a better company.
Emily
4 days ago
For over a decade I have kept my money worries to my self away from friends and family one phone call with Leah and I had laid it all bare without a second thought nothing shocked her and nothing wasn’t sortable I’m forever grateful I stumbled across this company and no longer have to worry about money on my own. 
Highly recommend!!
Daniel
4 days ago
PennyPlan offered insightful, professional and empathetic support throughout my insolvency. Declan in particular was friendly, personable and knowledgeable, and a massive help throughout the process.
They offer a no pressure service and allow you to make the best decision for yourself. I highly recommend these guys for anyone struggling with debt.
Mark
1 week ago
I was hesitant in applying for an IVA, But my mind was put at ease on the first call. The whole process was explained to me with complete care and understanding and I didn’t feel judged at all. Since being accepted for the IVA my mental health has improved so much and I now don’t worry about how I am going to put food on the table each week.
What our customers say about us
Maria
3 days ago
PennyPlan were extremely professional and genuinely caring, I am very happy that I made the call and now have a plan in place and peace of mind. From the first contact to the signing of the agreement it was straight forward and simple plus the staff really are exceptional in the way they listen and understand’ I couldn’t have asked for a better company.
Emily
4 days ago
For over a decade I have kept my money worries to my self away from friends and family one phone call with Leah and I had laid it all bare without a second thought nothing shocked her and nothing wasn’t sortable I’m forever grateful I stumbled across this company and no longer have to worry about money on my own. 
Highly recommend!!
Daniel
4 days ago
PennyPlan offered insightful, professional and empathetic support throughout my insolvency. Declan in particular was friendly, personable and knowledgeable, and a massive help throughout the process.
They offer a no pressure service and allow you to make the best decision for yourself. I highly recommend these guys for anyone struggling with debt.
Mark
1 week ago
I was hesitant in applying for an IVA, But my mind was put at ease on the first call. The whole process was explained to me with complete care and understanding and I didn’t feel judged at all. Since being accepted for the IVA my mental health has improved so much and I now don’t worry about how I am going to put food on the table each week.
Take the first steps to becoming Debt Free!
100% FREE ADVICE
Get information today on your available options
- One lower monthly payment
- Write off 75%* of unaffordable debt
- Freeze interest & charges
- Stop legal action including bailiffs
- Receive FREE well-being sessions
100% FREE ADVICE
Get information today on your available options
- One lower monthly payment
- Write off 75%* of unaffordable debt
- Freeze interest & charges
- Stop legal action including bailiffs
- Receive FREE well-being sessions
