Welcome to PayPlan’s debt advice blog!
Our blog covers the latest news at PayPlan, tips to help you save money, our latest press releases, expert insight and everything in between.
Money Saving Ideas
17 Sep 2012
Are we a nation of Shopaholics and “Comfort” spenders?
Living in Debt
12 Sep 2012
Can I reclaim PPI whilst in a Debt Management Plan?
A question that regularly crops up from our clients is "can I reclaim mis-sold PPI?" The answer is quite simply, yes. Being in a DMP does not make the reclaiming process any more complicated, as opposed to those that are…
Competitions
5 Sep 2012
Top five questions on… Bailiffs
Bailiffs can be one of the biggest worries if you are in debt. The potential threat from a creditor can leave you fearing what could happen if they send bailiffs round. The biggest problem many people have is that they…
Debt Facts
30 Aug 2012
What to do if you are self-employed and struggling to make ends meet
If you're self-employed and struggling to pay all your bills, you're not alone. There are a record 4.2 million workers who are self-employed and many are finding it difficult to make ends meet.
Money Saving Ideas
22 Aug 2012
Back to school on a budget
It is that time of year again as we pack the children back off to school. On one hand we are relieved to have a bit of peace and quiet and a bit of normality back, but on the other…
Debt Facts
15 Aug 2012
The truth behind the top 20 debt myths
In the 21st Century it is easy to use the internet to get answers to important debt questions. However, it is also easy to come across incorrect information which can have dangerous consequences.
Archive
1 Aug 2012
The Cheapest Meal in the UK
Money Management
24 Jul 2012
The Payplan guide to reducing your outgoings.
Families are struggling with wage rises frozen, but the cost of living on the up, and many are turning to loans or credit as a way to deal with essential payments.
Debt Facts
13 Jul 2012
How do I… apply for a Trust Deed?
For people living in Scotland they have other debt solutions available to them to help when they are in financial difficulty. A Trust Deed is one of these solutions and allows you to pay your creditors back at an affordable…
Money Management
11 Jul 2012
How do I… get out of debt and stay out of debt?
Getting into debt can be easy, one thing leads to another or something unexpected occurs and things spiral out of control. Before you know it, you are no longer able to afford all of your creditor commitments. Getting out of…
Living in Debt
4 Jul 2012
What should I do about my council tax arrears?
In recent years at Payplan we have seen a rise in the number of clients coming to us owing council tax arrears. This is often due to a number of factors, including a drop in income or an unforeseen increase…
Archive
29 Jun 2012
A day in the life of… a Client Liaison Officer
I work in the client support department dealing with Debt Management Plans (DMP). My role is to make sure our clients' income and expenditure details are up to date and sustainable and to look for any opportunities to save money…
Living in Debt
27 Jun 2012
Can I go on holiday once in a Debt Management plan?
Being in debt and in a plan such as a Debt Management Plan (DMP) or an Individual Voluntary Arrangement (IVA) can mean that many will have to change the way in which they spend and make cut backs.
Competitions
22 Jun 2012
What do I do if I received an Attachment of Earnings?
Money Saving Ideas
20 Jun 2012
The true cost of owning a pet
By Rebecca Sowter Croll When you first set eyes on that cute ball of fluff or multi-coloured reptile, long term cost may not be the first thing on your mind. It definitely was not the first thing I thought about…
Money Management
18 Jun 2012
How do I manage my student debts?
In 2011 universities got the go ahead to increase tuition fees to a maximum of £9,000 per academic year. This provoked widespread anger amongst many, especially as Nick Clegg and the Liberal Democrats promised to phase out tuition fees altogether.…
Living in Debt
13 Jun 2012
How do I…fill out court forms for a County Court Judgement?
When you receive notification that a creditor is pursuing legal action against you it can be a stressful time. There is a short response period and it is important that all of the paperwork is filled out correctly.
Money Saving Ideas
8 Jun 2012
Planning a wedding on a budget.
After recently getting married I know too well that weddings can cost a fortune and the budget can soon spiral out of control. You only have to look in some bridal magazines to see they average the cost of a…
Archive
1 Jun 2012
What is a Logbook Loan?
Log book loans are a growing trend, with the number of people taking them out increasing by 40% between 2006 and 2009**. With more of these types of loans appearing it is important to understand exactly what they are. Log…
Money Saving Ideas
18 May 2012
The Real Cost of Driving
There is no hiding from the fact that the cost of driving is going up. From fuel to insurance to on-going maintenance - driving a car costs us hundreds of pounds each year.