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Dawn’s Story

Here is the story of Dawn, she has now finished her DMP and is debt free! Congratulations.

Four years ago I had amassed debts amounting to £28,000 due to credit cards and loans. I was receiving phone calls and letters all the time demanding money that quite frankly I didn’t have. I came across Payplan through a forum board I went on – iVillage.co.uk – and decided to give you a call. I received a call from one of your workers and as soon as I started to talk to him I burst out crying, I felt so ashamed that I had let myself get in this position but he was brilliant and reassured me that I wasn’t alone – there were thousands out there in the same boat. He didn’t stand in judgement of me and did everything he could to keep reassuring me.After all the formalities had been gone through, it was decided I would take out a DMP, I then worked out a budget plan that I could afford and although some months I struggled I never missed a payment – and every time my personal situation changed my monthly payment increased meaning I was paying the debts off quicker. It was fantastic, the letters and phone calls stopped. And if I did receive any letters I just sent them to my account managers who dealt with them for me.I am now nearing the end of my DMP – I have 4 payments left (depending on interest/charges etc) and it feels so good. I am so proud of myself – I have paid it all off with no help from family or even my husband. They’re all so proud of me too.I am now not ashamed to admit I got into trouble and will recommend Payplan to anybody. It is the best thing I ever did and since Payplan took up my cause I can honestly say I started to sleep better at nights just knowing that the letters and phone calls had stopped.

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Self Employed with debt? You can still get help.

Many people earn their living by running their own business. Unfortunately due to the recession, many self-employed business men and women suffered a great deal of financial strain.

Many who earn their income through self-employment worry that they cannot get help with their debts. Thankfully, that isn’t true! Regardless of your income source, you can seek advice on how to help your situation. You may be suitable for a structured plan such as a DMP or IVA, or you can set up a plan directly with your creditors if you don’t have a stable income at present.

Payplan, like many reputable companies, can offer a plan to suit you and can ensure your individual situation is dealt with. Whether that be a Debt Management Plan, Individual Voluntary Arrangement, Bankruptcy or a Debt Relief Order.

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Help with Utility Arrears

With gas, electric and water companies often billing us for ‘estimated’ usage, when you read your meter and see the actual usage, arrears can pop up and give you a nasty surprise.

If you find yourself in arrears it can be extremely scary, as many fear they will be ‘cut off’ and be without gas, electric or water. If you act quickly there is a better chance of this not happening. If you pay monthly then you can increase your payments, meaning you will pay it back gradually. However if you don’t pay monthly you can come to an agreement with your utility provider whereby you pay them a reasonable amount until the arrears have been paid in full.

With the increase in gas and electric prices many people are experiencing difficulty with paying their bills, so you are not alone! There are many organisations, some government funded, some charities and some utility providers who are on hand to offer assistance to those that are struggling the most.

For a full list visit BBC – Battling bills, what help is there?

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Over 65 and still working!

It was recently suggested that a third of people over the age of 65 years head into retirement with debts of around £25,000 according to The Guardian.

Currently 1 in 8 men over the age of 65 years are in employment, 40% of those are in full time work. This may be down to the lack of pension funds, increase cost of living or are in debt.

In comparison, 6.4% of women over the age of 65 years are still in employment.

Regardless of your age or employment status Payplan can offer free debt advice to do all we can to help you find a solution that is best for you. Whether that be a Debt Management Plan, Individual Voluntary Arrangement, Bankruptcy or a Debt Relief Order.

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