All articles and guides
Every guide, article and debt help page on PennyPlan, in one place.
Guides and articles
- IVA Companies to Avoid: Red Flags To Look Out For
- What Happens at the End of an IVA?
- Pros and Cons of an IVA – Should You Choose One?
- Debt Management Plan vs IVA – Which is better for you?
- Energy Price Cap October 2026: How Much Will Energy Bills Rise?
- What Happens If You Don’t Pay a Buy Now Pay Later Instalment?
- How To Build An Emergency Fund Even With Debt Repayments
- Warrant of Control: What is it and how can it impact you?
- IVA and Car Finance
- The IVA Register Explained
- How To Apply For An IVA (Step-by-Step)
- The Best IVA Companies (UK) in 2026
- Can you get a mortgage with an IVA?
- Self Employed IVA Help & Advice
- Mindfulness Practices To Help With Anxiety About Money
- Higher Mortgage Rates Explained: What Homeowners Should Do Next
- What is a Debt Relief Order? (2026 Guide)
- Can You Rent a Property With Bad Credit?
- What Happens to Debt in a Divorce Settlement?
- Why People Fall Back Into Debt After Paying It Off
- IVA Proposal – Everything you need to know
- IVA Meeting Of Creditors – What to expect
- Debt Consolidation vs IVA: Which Is Right for You
- How Rising Rents Are Pushing More People Into Debt
- How to Prioritise Your Debts When Money’s Tight
- Does Klarna Affect Your Credit Score?
- Can You Get Car Insurance With an IVA or DMP?
- Can a CCJ Be Included in an IVA? What You Need to Know
- Can You Pay Off an IVA Early?
- New Buy Now Pay Later Rules: What They Mean for You
- New Year Resolutions: 5 Ways to Better Manage Your Money in 2026
- A No-Stress Guide to Christmas Shopping When Money Is Tight
- Helping the UK Tackle Debt, Scams & Everyday Money Worries
- Buy Now, Pay Later at Christmas: What You Need to Know Before You Checkout
- How to Choose the Right Trust Deed Company for You
- How Does Debt Affect Your Credit Score?
- Our Quick Roundup of the Most Popular Payday Lenders
- The Rise Of AI In Debt Collection: What You Need To Know
- Facing Higher Mortgage Payments In 2025? What Homeowners Can Do
- IVA Protocol 2025: What Homeowners Need to Know About the New Rules
- Can You Get An Iva If You’re Self-Employed?
- What To Do If You’re Struggling With Council Tax Arrears
- Latest Trends in Buy Now Pay Later Debt and How to Avoid Traps
- How To Rebuild Your Credit Score After Debt Problems
- How to Negotiate With Creditors Effectively
- What Happens If You Ignore Your Debts?
- 8 Warning Signs You’re Struggling With Debt
- How To Prioritise Your Debts When Money Is Tight
- The Link Between Debt And Mental Health: What You Need To Know
- The Pros And Cons Of Using A Debt Management Plan (DMP)
- FCA Confirms New Rules For BNPL In The UK By 2026
- Best Money and Debt Management Apps in the UK (2025 Guide)
- How To Negotiate With Creditors And Manage Debt More Effectively
- How To Avoid Payday Loan Traps And Take Back Control Of Your Finances
- What is an IVA?
- 6 Podcasts to help with Debt Anxiety
- Council Tax Bailiffs: Everything You Need to Know
- IVA Vs Debt Relief Order (DRO) – Which is Right For Me?
- Can You Write Off Council Tax Debt? The Answer Is Yes.
- Choosing Your IVA Bank Account: Everything You Need To Know
- Renting with an IVA: What You Need to Know
- How Long Can A Debt Be Chased In The UK?
- Breathing Space – Understanding Your Debt Respite Scheme Options
- Gambling Debt – Your Options to Tackle
- The Rise of Crypto Scams
- Can You Get Credit While On A Debt Management Plan (DMP)?
- Mental Health & Money: Tips to Break Free from the Debt-Stress Cycle
- Can an IVA Stop Bailiffs? The Answer is Yes.
- IVA Rejected – What Next?
- Emotional and Mental Impacts of Being in Debt
- PennyPlan Announces Groundbreaking Partnership with JLingz FC
- How Much Does an IVA Leave You to Live On?
- What is an Insolvency Practitioner?
- IVA vs Bankruptcy – Which is better?
Debt help pages
- About Us
- Advantis Debt Recovery – We Can Help
- American Express Credit Card Debt Help
- Argos Card Debt Help & Advice
- Bank Debt Help & Advice
- Bankruptcy
- Barclay Credit Card Debt Help
- Benefit Overpayment Help & Advice
- BPO Collections
- Bristow & Sutor
- British Gas Debt Help & Advice
- Buy Now, Pay Later Debt Help & Advice
- BW Legal
- Cabot Financial
- Capital One Debt Help & Advice
- Car Finance Debt Help & Advice
- Catalogue Debt Help & Advice
- Clearpay Debt Help & Advice
- Complaints
- Contact
- Council Tax Debt Help & Advice
- Credit Card Debt Help & Support
- Creditfix
- Debt Management Plan (DMP)
- Debt Relief Order (DRO)
- Debt Solutions
- Debt Types
- Direct Collections Bailiffs Ltd
- Dukes Bailiffs Ltd
- E.ON Next Debt Help & Advice
- Energy Bill Debt Help & Advice
- Equita
- Form
- Freemans Debt Help & Advice
- Gambling Debt Help & Advice
- Guarantor Loan Debt Help & Advice
- Home
- How PennyPlan helped one client go from crisis to stability
- How PennyPlan helped reduce a client’s monthly debt payments by £1,400
- HSBC Debt Help & Advice
- Individual Voluntary Arrangement (IVA)
- Insights
- IVA Calculator
- Jacobs Enforcement – We Can Help
- JD Williams Debt Help & Advice
- Klarna Debt Help & Advice
- Lantern Debt Recovery – We Can Help
- Link Financial
- Littlewoods Debt Help & Advice
- Lloyds Debt Help & Advice
- Loan Debt Help & Advice
- Lowell Financial Debt Help
- Marston Holding
- Meet The Team
- Monzo Debt Help & Advice
- Moorcroft Debt Recovery – We Can Help
- Moriarty Law Debt Recovery – We Can Help
- National Debtline
- Nationwide Debt Help & Advice
- NatWest Credit Card Debt Help
- New Look Store Card Debt Help & Advice
- Newlyn
- Next Card Debt Help & Advice
- Next Directory Debt Help & Advice
- Octopus Energy Debt Help & Advice
- Overdales Debt Recovery Help
- Overdraft Debt Help & Advice
- OVO Energy Debt Help & Advice
- Pastdue Credit Solutions
- Payday Loan Debt Help & Advice
- PayPal Debt Help & Advice
- PayPlan
- Persistent Debt Help & Support
- Privacy Policy
- Qualify
- Rebuilding life after separation: A PennyPlan success story
- Royal Bank of Scotland Debt Help & Advice
- Self Employed IVA Help & Advice
- StepChange Debt Charity
- Stop Bailiff Action And Get Help With Debt Today!
- Store Card Debt Help & Advice
- Terms & Conditions
- Tesco Credit Card Debt Help & Advice
- Thank You
- Thank You Contact
- Trust Deed – Scotland
- Utility Bill Debt Help & Advice
- VAT Debt Help & Advice
- Very Catalogue Debt Help
- Water Bill Debt Help & Advice
- Whyte & Co