Get help and advice on debt, money management, earnings and banking, 24/7.
If you’re struggling with rent arrears, are being contacted by creditors or have received a bailiff’s letter, you can access free, confidential and independent advice with PayPlan.
PayPlan is regulated by the Financial Conduct Authority (FCA) and understands that everyone is different. Their helpful, friendly advisors will work with you – without judgement – to reduce your money concerns by:
Whatever your concerns are, PayPlan is here to help.
You can speak with a member of the team today by email, WhatsApp, live chat or on the phone – simply click here and complete a contact form, selecting your preferred method of communication.
Alternatively, you can call PayPlan on 0800 1970 669 or watch this introductory video to find out more.
If you are referring on behalf of a customer, click here.
Don’t just take our word for it…
93% of Orbit customers have either cleared their debts or are making payments towards them after speaking to PayPlan. PayPlan made them feel reassured and calm about their situation and the majority of customers said they now feel more determined to resolve their debt problems and are more confident about managing their money.
Of the customers we asked, 100% agreed that PayPlan is friendly and approachable, able to answer all of their questions and easy to communicate with over the phone.
Bankruptcy, Debt Relief Orders and IVA's
We recommend you speak to a specialist like PayPlan before agreeing to take on any kind of formal debt repayment plan or solution. As well as offering free, independent advice and being regulated by the FCA, PayPlan is also recommended by the Money Advice Service. They will help find a tailored solution to suit you.
Everyone is different and they will work hard to get you on the path towards a debt-free future as soon as possible. PayPlan can advise on a number of debt solutions, such as:
The Money Advice Service provides information on financial products, money-saving tips and budgeting. You can use their Web Chat service, contact them via WhatsApp on 07701 342 744, or call them on 0800 138 7777. You can also get started on budgeting straight away with the Money Advice Service budget planner.
If you still can’t find the help you need, simply contact us – we’re here to help and can put you in touch with the right people.
Just about managing your money? Living from paycheck to paycheck?
Are you spending more than you have coming in?
If you're eating into your savings or building up debts, you're likely to be overspending. Taking the time to manage your money can really pay off. It can help you stay on top of your bills and save £100's each year.
We work with several independent partners including Citizens Advice and Money Advice Plus, who offer a service called Jam – providing free and confidential support and guidance by phone, text or online.
This FREE service can show you ways to:
To find out more, fill in our Jam form and one of our friendly independent partners will be in touch.
The Money Advice Service also provides information on a wide range of issues including banking, money-saving tips and budgeting. You can use their Web Chat service, contact them via WhatsApp on 07701 342 744, or call them on 0800 138 7777. You can also get started on budgeting straight away with the Money Advice Service budget planner.
For extra tips and money-saving deals, check out Money Saving Expert by Martin Lewis.
Your consumer rights protect you from being treated unfairly when buying goods or services. Your rights depend on how and when you made your purchase. Citizens Advice provides lots of information on what your rights are and how to take action, as well as the choices you have if goods you’ve bought are unsatisfactory and the steps you can take to solve this.
You can use these consumer letter templates to help put together a complaint about an item or a service you’ve purchased that you’re unhappy with, or you can contact the Citizens Advice Consumer Helpline for assistance.
When you want to get a new bank account, there are a number of things you need to think about. You can find information via Citizens Advice on the main types of bank account and what you can use them for.
Payday loans are short-term loans for small amounts of money. They are available from high street shops and internet sites. Payday loans can be easy to get, but interest rates are very high. Before making a decision about taking on a loan, it’s a good idea to compare different types to see which might suit you best. Money Saving Expert has lots of information to help you out.
Check out Money Saving Expert for all the facts on payday loans.
If you need more help regarding debt advice and support, see I’m in debt – what should I do? above.
To protect from fraud it’s vital to make sure your information and identity is kept secure when using your bank account, bank card or cheque book. The Met Police provides information on how to keep financial and personal details secure, and on what you should do if you have any problems.
If someone you don’t know manages to get hold of your personal details, PIN, telephone or internet banking details, and uses them to access your account, it’s known as identify theft. Action Fraud can help you with this.
If you suspect someone living in one of our properties of committing tenancy fraud, you should report this. For more information on tenancy fraud and how to report it, click here.
Taking legal action can be stressful and expensive. It will help if you understand how the legal system works and what kind of help you can get. To find out more on taking legal action for small claims, visit Citizens Advice.
Depending on your circumstances, you and your family could be eligible for benefits, which may include those for children, sickness and disability or low income.
Universal Credit is being introduced in stages across the UK. It will replace six ‘means-tested’ benefits - these are benefits you can get if your income and savings are below a certain level. Click here to find out more about Universal Credit and find out more about benefits on the Government’s website.
Carer’s Allowance is available for people caring for a registered disabled person in their own home. You can find out more about who can claim and how to claim here.
The Carers Direct Helpline can give you information to help make decisions about your personal support needs or the needs of the person you're looking after.
How you appeal a benefit decision depends on the type of benefit you applied for and the date the decision was made. Citizens Advice has more information on this.
If you’re in receipt of Universal Credit, but Jobcentre Plus has reason to believe you haven’t followed your claimant commitment or the required activities, you could be sanctioned, which means your benefits could be reduced or stopped. You can find out more about sanctioning, and what you can do about it, here.
If you’ve been contacted by your benefits office because they think you’re being paid more than you’re eligible for, click here for more information on exactly what to do.
If the Department for Work and Pensions (DWP), HM Revenue and Customs (HMRC) or your local council suspect you have misled them in any way about your benefits, you may be asked to go for an ‘interview under caution’. Depending on the outcome, your benefits could be suspended, and you could be taken to court. Citizens Advice has more information on this.
You can also get in touch with us if you still need advice – we can put you in touch with the right people.
There is a limit on the total amount of benefits that most people aged between 16 and 64 can receive, known as the benefits cap. The Government website has more information on this.
Universal Credit must be claimed online. If you don’t have access to the internet at home, you can try your local library, Jobcentre or local council for assistance.
You can also contact us for more information about getting online.
You’ll need a bank account, or similar, to receive automated payments via Universal Credit. If you don’t you cannot get paid. To find out more about setting up a bank account, visit Citizens Advice.
Each automated monthly payment includes any housing benefit you’re eligible for, which means you’re responsible for paying your landlord directly. If you live with your partner, you’ll receive a joint monthly payment.
It can take up to five weeks to receive your first payment, so you should apply for Universal Credit as soon as you become eligible. You can start your claim here.
You can start a budget easily using our simple, helpful budget planner.
If you’re experiencing money worries, we can help. Click here for more information.