Blog | Free Debt Advice

Living in Debt 27 Sep 2016

What to do if the bailiffs are on your doorstep?

Client News 22 Sep 2016

PayPlan Plus is changing

We have relaunched our PayPlan Plus website bringing our clients a new look that is also easier to use. Find out more about what's changed and how PayPlan Plus can benefit you.

In other news 22 Sep 2016

There are now a record 4.8 million self-employed people in the UK as more and more people opt to go it alone. We’ve teamed up with the Federation of Small Businesses (FSB) to produce a series of helpful guides about…

Living in Debt 6 Sep 2016

Cutting costs: Easy ways to reduce your spend

Cutting costs is difficult because while we all want to reduce our spend and save money, we don’t necessarily want to give up on all hopes of a social life and live life on rations. Today’s blog post looks at…

Debt Facts 1 Sep 2016

Self-employed IVAs: Frequently Asked Questions

A self-employed IVA is a debt solution tailored for the self-employed. This week’s blog post looks at what a self-employed IVA is and answers the most common questions we get asked about how this debt solution works.

Living in Debt 22 Aug 2016

Do I need to open a new bank account?

If you’re struggling with your debts and looking at ways you can become debt free, it might have been suggested you open up a new bank account. Today's blog post looks at the bank's right to offset and whether you…

Money Management 8 Aug 2016

Staying out of debt

Industry News 24 Jul 2016

What do the bankruptcy changes mean for you?

The application process and fees have changed for bankruptcy. Today we look at what changes have occurred and what they mean for you.

Living in Debt 20 Jul 2016

How long can my creditors chase me?

A question that I often come across from people struggling to pay their debts is "how long can my creditors chase me?" The answer is until you have paid them what you owe. However, if communication between the debtor and…

Money Management 18 Jul 2016

Fresh out of university – finding your financial feet

For graduates straight out of university, it can be a difficult time financially. In today's post we look at why graduates are struggling and what they can do to find their feet.

Debt Facts 13 Jul 2016

What happens to your debt when…

Some of our most common questions often centre around what will happen to debt in different scenarios. For example, what happens to debt when you die? We thought this week’s blog post would be the perfect opportunity to explain how…

In other news 5 Jul 2016

How does a relationship reunion affect your child maintenance agreement?

In our latest debt research, we discovered 71.6% of single parents were struggling financially. As a result PayPlan have launched a campaign to raise awareness of child maintenance - you can find out more about this in this week's blog…

Debt Facts 24 Jun 2016

Young People In Wales Have Highest UK Debt Levels

18-25 year-olds in Wales have higher levels of personal debt than anywhere else in the UK, owing an average of almost £10,000.New figures from free debt advice provider PayPlan show that whilst calls to its helpline from every other age…

Money Management 21 Jun 2016

Creating a debt plan: What you need to know

Living in Debt 31 May 2016

How to Build a New Credit History

Once your IVA or debt management plan has finished, you can start your new life after debt. That might mean rebuilding your confidence in your ability to manage your money, but it should definitely include rebuilding your credit score. Here’s…

Money Management 24 May 2016

Managing your finances: A guide to budgeting

Working out a monthly or weekly budget means you have a much clearer idea of how much money is coming in and going out. This can be the difference between gradually falling further into debt and managing to make your…

Living in Debt 16 May 2016

Helping your child with debt

Should you help your child with debt if they are struggling and if so, what support should you give them? Is financial assistance enough? Our latest blog post looks at how you can really help your child with their debt…

Money Management 12 Apr 2016

Gas, Electricity and Water: Staying Out of the Red

Today's post looks at how to handle high utility bills. Many people will often opt for monthly payment plans for their gas and electric bills but is this the most efficient way of budgeting or could you save more money…

Industry News 7 Apr 2016

New data reveals Essex has the highest average debt in the UK

PayPlan have revealed new debt figures to show the top 10 counties in the UK with the highest average debt figures and Essex was revealed to have the highest debt level. According to the data 1212 people from the area used…

Living in Debt 5 Apr 2016

Keeping yourself debt-free as the year goes on

Was your New Year’s resolution to sort out your finances? It’s hard to believe it’s April already, but for most of us, that means our 2016 resolutions have already gone out of the window. Our latest blog post has lots…

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