Write off 75%* of unaffordable debt
One lower monthly payment
Stop creditor hassle and bailiffs
Access mental well-being services
Who are PayPlan?
PayPlan is a UK-based debt management company that provides free debt advice and arranges debt solutions such as Debt Management Plans (DMPs), Individual Voluntary Arrangements (IVAs), and Debt Relief Orders (DROs).
Unlike charities such as StepChange or National Debtline, PayPlan operates as a private company. Their services are funded through agreements with creditors rather than client fees.
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What Happens If You Miss PayPlan Payments?
If you miss one or two payments, PayPlan will usually add a late fee and may report it to credit reference agencies, which can impact your credit score. Ongoing missed payments will incur more interest and charges, and your account may going into default. If your account is defaulted, it may be transferred or sold to a debt collection agency. You would then deal with the new company, but the debt terms and balance may still apply, depending on the agreement. PennyPlan can help you understand your position and what you can do to reduce escalation.
We Help With Most Debts - Not Just PayPlan!
* Mortgage debt can be included if you no longer own the property in question.
Prefer to talk? Call 0161 808 8811
Open til 7pm Monday to Friday
How to contact PayPlan?
PayPlan telephone number:
0800 280 2816
Website:
PayPlan postal address:
PayPlan
Springfield business park
Totemic House
Grantham
NG31 7FZ
Stop all interest & charges
Write off debt
Access well-being services
Reduce monthly payments
How Could A PayPlan Debt Repayment Plan Work
An IVA consolidates your debts into one affordable payment plan, with some PayPlan debt potentially written off. A DMP combines debts into one monthly payment, with interest reduced or frozen to help ease financial pressure. A DRO is a debt reduction programme for those on low income, where certain debts can be cleared with no ongoing payments required during the DRO.
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How does PayPlan work?
When you contact PayPlan, you’ll usually start with an online assessment or a call with an adviser. They look at your income, outgoings, and debts, then recommend a suitable plan.
PayPlan provide support with:
- Debt Management Plans (DMPs)
- Individual Voluntary Arrangements (IVAs)
- Trust Deeds (for residents in Scotland)
- Bankruptcy support
They also provide online tools and telephone support to guide you through the process.
Does PayPlan affect your credit score or rating?
Speaking to PayPlan or using their advice services will not affect your credit score. However, the debt solution you enter into will.
- A DMP may be reflected if creditors mark reduced payments.
- An IVA or Trust Deed will remain on your credit file for six years.
- Bankruptcy has the most serious effect.
It’s the chosen debt solution, not PayPlan as a company, that impacts your credit rating.
Get Help With PayPlan Debt Today
Trying to manage your PayPlan credit card debt alone can be a massive burden that controls your life. But it doesn’t have to. Our advisers are here with you every step of the way, providing tailored advice and debt solutions to start taking the weight off your shoulders. To take the first step – speak to a member of our team today.
Apply for our eligibility check
Speak to our debt specialists
Choose your debt solution
We’ll handle the rest
PayPlan FAQ's
What is PayPlan?
PayPlan is one of the UK’s largest providers of free debt advice and debt solutions. They aim to help people manage unmanageable debt by negotiating with creditors and setting up affordable repayment plans.
Their services are funded by the credit industry, which means they don’t charge clients directly for debt advice.
Does PayPlan charge a fee?
No, PayPlan does not charge clients a fee for their debt advice or for setting up most debt solutions. Their funding comes from creditors who contribute to the cost of running the service.
That said, some solutions (such as IVAs or bankruptcy) have formal costs attached, but these are built into the solution itself, not charged separately by PayPlan.