Payplan provides free debt advice, support and help to anyone facing money problems. Payplan offers a free self help pack, downloadable letter templates, credit card help, monthly budget plans and step by step guides to help you manage your debt.

PayPlan was founded in 1992 and has helped over 1 million people to become debt-free. Every year they help over 100,000 more people with their finances

To contact Payplan for free debt advice follow this link. You can contact them by phone or by a debt help request form and filling in the type and amount of debt you owe, the money you receive and spend each month, and your contact details to get help with the best free help to your debt problem.

Debt Management Schemes

For information on further help including IVA’s, free debt management plans, trust deeds, mortgage arrears advice and repossession advice. Follow this link.

Mortgage Arrears

For advice on avoiding repossession, help with mortgage arrears, negative equity and re-mortgaging, click here. For specific information about Mortgage Shortfalls, follow this link.

Credit Cards and Bills

For debt advice on a range of debt problems such as on credit card bills, personal loan arrears and what to do if you get behind with bills, follow this link.


For information on bankruptcy, what it is, its effects and disadvantages, follow this link.


For help with making the right budgeting decisions to enable you to keep to a carefully planned budget.follow this link.

Self Help Pack

To download a self-help pack – with letter templates, credit card help, step by step guides and a detailed monthly budget plan, click here.

Contact Payplan

For full contact details including an on-line enquiry form follow this link or to request a call back click here.

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