PayPlan Debt Advice: Services, Fees and Reviews

PayPlan provides free debt advice and debt management plans, while some formal insolvency solutions arranged through associated companies carry fees. Compare the options and consequences before choosing a solution.

In this article, we’ll cover:

• What people say about PayPlan in reviews.
• What debt services PayPlan offers.
• How you could possibly write off some debt.
• How to make a complaint about PayPlan.
• Important information about the company and their contact details.

This guide explains the service, costs, contact routes and limits of customer reviews. A provider’s suitability depends on your own debts, budget and location.

What Do People Say?

Reviews describe individual experiences and are not a guarantee of your outcome. Check their dates and consider the provider’s services, fees and regulatory permissions as well as a rating.

Take a look at PayPlan’s Trustpilot reviews here: https://uk.trustpilot.com/review/www.payplan.com?languages=en

What Services Do They Offer?

PayPlan explains a range of debt options. Advice about an option is not the same as providing every step of it directly; a referral or separate licensed practitioner may be involved.

From free debt advice to bankruptcy, the solutions and services explained on their website include:

• Free debt advice: Non-judgemental and expert free debt advice
• Individual Voluntary Arrangements (IVAs): formal insolvency arrangements that can write off included unpaid balances on successful completion, with fees and consequences for assets and credit.
• Debt settlements: Final settlements by clearing your debt with one big payment
• Debt Management Plans (DMPs): An informal arrangement with your creditors
• Sequestration: Bankruptcy for Scottish residents
• Debt Relief Orders (DROs): formal insolvency for eligible people within debt, asset and surplus-income limits; not simply a solution for anyone with high debts.
• Protected trust deeds: a Scottish formal insolvency option with its own eligibility, fees and risks; not the same legal arrangement as an IVA.
• Debt Arrangement Scheme: A government-backed debt-repayment scheme for those in Scotland
• Bankruptcy: a formal insolvency process with serious consequences. In England and Wales, a debtor normally applies online to the Insolvency Service; Scottish and Northern Irish procedures differ.

Scottish Solutions for Dealing with Debt

PayPlan provides information on its website about Debt Solutions specific to Scottish residents, such as Sequestration and Trust Deeds.

In-Person

PayPlan’s current contact page lists telephone, online and messaging options, including support for existing clients. Check the route and hours for your service rather than relying on an old office-visit or email arrangement.

How to complain?

It’s reassuring to know that a company has a complaints procedure in place.

However, should you need to make a complaint about PayPlan in the future, then you can use the details below to either write to them or call them.

Use PayPlan’s current complaints procedure and contact page. The general freephone number is 0800 316 1833; the appropriate complaints route may differ for an IVA or Scottish service. Do not send a complaint to an individual or address taken from an old directory entry without checking it.

For an eligible financial-services complaint, first complain to the firm. You can normally refer it to the Financial Ombudsman Service after a final response or eight weeks without one, usually within six months of the final response. The FCA does not decide individual debt disputes, and not every creditor or type of complaint falls within the Ombudsman’s jurisdiction. Complaints about an insolvency practitioner can require the insolvency complaints route instead. See Financial Ombudsman eligibility and complaints information.

Complaint channels checked against PayPlan’s published information on 4 October 2026; confirm the current route before submitting. See related guidance.

Company information:

After researching on Companies House and the PayPlan website, we found the below details on the business:

PayPlan is a trading name of Totemic Limited, company number 02789854. The official website lists the registered office as Kempton House, Dysart Road, Grantham, NG31 7LE. General contact: 0800 316 1833, Monday to Friday 8am–8pm and Saturday 9am–3pm. Use https://www.payplan.com/ to check current service-specific details.

Company and contact information checked against PayPlan’s official website on 4 October 2026. See related guidance.

FCA registration:

PayPlan’s debt-advice business trades through Totemic Limited, which states it is FCA-authorised. Check the exact legal entity, permissions and contact details on the Financial Services Register; authorisation does not guarantee a particular debt outcome.

Legal entity: Totemic Limited. Trading name: PayPlan. FCA firm reference number: 681263. The provider’s current registered office is Kempton House, Dysart Road, Grantham, NG31 7LE. Insolvency services through associated companies also depend on the relevant practitioner’s authorisation.

Check the live Financial Services Register for current permissions and verified contact details before using a regulated service. See related guidance.

» TAKE ACTION NOW: Fill out the short debt form

Data protection registration:

An ICO entry identifies a registered data controller; it is not a guarantee that no privacy problem can occur. Read the provider’s privacy notice to understand which entity handles your data and how it is used.

The relevant data controller can depend on the PayPlan service used. Check its current privacy notice and the ICO register rather than relying on an old group-company entry.

Identify the legal entity named in your current privacy notice. If you have a data concern, use that entity’s privacy contact and, where appropriate, the ICO complaint process.

Data-controller information can change; verify it for the service and date relevant to your complaint. See related guidance.

Insolvency Practitioner Directory Listing

If a formal insolvency option is suitable, ask which associated company and licensed insolvency practitioner will handle it. IVA and protected-trust-deed fees are separate from free debt advice and a free DMP.

PayPlan’s official website lists its associated insolvency businesses and practitioners. Verify the current named practitioner and licensing body rather than assuming a historic directory entry remains correct.

For practitioner contact details, use the current PayPlan contact page and verify the licence through the official insolvency-practitioner directory. The previous email label on this page linked to an unrelated firm and should not be used. See current PayPlan contact page, official insolvency-practitioner directory.

Check practitioner details when you receive the proposal and fee explanation. See related guidance.

For an IVA or Scottish insolvency complaint, use the procedure for the actual company and practitioner handling the case. The current PayPlan contact page and official practitioner directory are safer starting points than an old personal-email listing. See current PayPlan contact page, official insolvency-practitioner directory.

An insolvency practitioner’s authorisation is distinct from an FCA permission for debt advice. See related guidance.

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PayPlan Contact Details

Below you can find some of the most popular questions about PayPlan debt solutions.

How can I contact them?

One of the easiest ways to contact PayPlan is to call their freephone number which is operational from Monday to Saturday.

Other sources of free help include StepChange, National Debtline and Citizens Advice. MoneyHelper is a public guidance service with a debt-advice locator, not a charity that necessarily sets up a DMP for you. Compare the available services and any solution fees.