Rated Excellent

Partnering with organisations to provide additional resources

Highly experienced financial
wellbeing management team.

Rated Excellent

Become a PennyPlan Partner Today

Apply today to become an official PennyPlan partner

Partnering with organisations to provide additional resources

Highly experienced financial wellbeing management team.

Become a PennyPlan Partner Today

Apply today to become an official PennyPlan partner

Partner with PennyPlan

Who We Are

We are a team of financial experts who specialise in helping people find a debt solution that is affordable for them. We pride ourselves on being something completely different to the rest of the debt-help sector. Not only do we want to help with people’s finances, but we want to improve their mental health too. 
 
We understand the link between mental health and debt. That’s why as business we are the first insolvency practice in the UK to offer full access to our in-house wellbeing and psychotherapy team free of charge throughout the duration of the IVAs we offer. This is fully paid for out of company profits for full duration of the customer’s IVA. 

 

Who We Are

We are a team of financial experts who specialise in helping people find a debt solution that is affordable for them. We pride ourselves on being something completely different to the rest of the debt-help sector. Not only do we want to help with people’s finances, but we want to improve their mental health too. 
 
We understand the link between mental health and debt. That’s why as business we are the first insolvency practice in the UK to offer full access to our in-house wellbeing and psychotherapy team free of charge throughout the duration of the IVAs we offer. This is fully paid for out of company profits for full duration of the customer’s IVA. 

 

Partner with PennyPlan

The UK’s only insolvency practice to offer free counselling & wellbeing sessions for the full duration of the client’s IVA

The UK’s only insolvency practice to offer free counselling & wellbeing sessions for the full duration of the client’s IVA

Giving Back

At PennyPlan, our commitment to community and our dedication to improving the lives of as many individuals as possible is what drives us forward. Since our inception, we have consistently prioritised people at the heart of what we do. As a testament to our values, we are excited to extend an offer to collaborate with organisations to enhance the support they provide to their clients. 

Our collaboration can work in different ways, depending on the specific needs of each organisation. Some of the more frequent ways in which we contribute include offering supplementary resources, providing sponsorships, hosting on-site debt clinics, granting access to our in-house wellbeing experts, organising events, and much more. 

What is the link between debt and mental health?

The two subjects are frighteningly intertwined, and highlight a huge need for our unique service offering.

Want to know more about becoming an official partner?​

What is the link between debt and mental health?

The two subjects are frighteningly intertwined, and highlight a huge need for our unique service offering.

Want to know more about becoming an official partner?​​

Covering the main issues of debt

Most of the time, debt is the secondary problem to other primary issues that need addressing. If not resolved customers end up in a recurring debt cycle, with no recovery in sight.

Trauma can lead to unhealthy coping mechanisms, such as overspending or gambling, to cope with the emotional pain.

People with bipolar disorder may have difficulty making sound financial decisions due to mood swings and cognitive impairment.

Spending a large portion of their income on alcohol or other substances can lead to people not having enough money to repay bills.

This can cause people to borrow and max out credit to recover their losses. Those losses are not recovered, the debt remains with no plan on how to repay.

Trauma can lead to unhealthy coping mechanisms, such as overspending or gambling, to cope with the emotional pain.

People with bipolar disorder may have difficulty making sound financial decisions due to mood swings and cognitive impairment.

Spending a large portion of their income on alcohol or other substances can lead to people not having enough money to repay bills.

This can cause people to borrow and max out credit to recover their losses. Those losses are not recovered, the debt remains with no plan on how to repay.

Our Holistic Approach

We want to leave our customers with a better outcome at the conclusion of our services.

Unless the underlying issues are being tackled, the chances of the debt cycle ending are much lower

We deal with both issues alongside each other by helping our customers deal with their debt issues alongside free counselling & psychotherapy sessions to help them recognise underlying issues and deal with them

By doing so we believe we have a much higher probability of a debt free future for our clients

Our Holistic Approach

We want to leave our customers with a better outcome at the conclusion of our services.

Unless the underlying issues are being tackled, the chances of the debt cycle ending are much lower

We deal with both issues alongside each other by helping our customers deal with their debt issues alongside free counselling & psychotherapy sessions to help them recognise underlying issues and deal with them

By doing so we believe we have a much higher probability of a debt free future for our clients

Changing the narrative

Further evidencing the clear need for our unique services is the extremely high uptake of our wellbeing sessions. All of these session costs are covered by PennyPlan, ensuring no further costs are incurred to the client or creditors.

Want to know more about becoming an official partner?​​

Changing the narrative on Debt help

Further evidencing the clear need for our unique services is the extremely high uptake of our wellbeing sessions. All of these session costs are covered by PennyPlan, ensuring no further costs are incurred to the client or creditors.

Want to know more about becoming an official partner?​​

What our customers say about us

3 days ago

'Absolutely fantastic!
Leah is a STAR!!'

Brilliant. So friendly and professional. Leah is an absolute credit to the company. Put me at ease all the way through and having a counsellor within the company? Absolutely genius! Thank YOU so so much!!

4 days ago

'Excellent, empathetic service
for those struggling'

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.

4 days ago

'PennyPlan were extremely
professional and genuine'

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.

What our customers say about us

3 days ago

'Absolutely fantastic!
Leah is a STAR!!'

Brilliant. So friendly and professional. Leah is an absolute credit to the company. Put me at ease all the way through and having a counsellor within the company? Absolutely genius! Thank YOU so so much!!

4 days ago

'Excellent, empathetic service
for those struggling'

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.

4 days ago

'PennyPlan were extremely
professional and genuine'

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.

We help with most debts

*Mortgage debt can be included if you no longer own the property in question.

Become a PennyPlan
Partner Today

Apply today to become an official PennyPlan partner