Also known as: PayPlan; Totemic Limited (FCA-authorised trading entity)
PayPlan is a UK debt management company that provides free debt management plans and debt advice to people in financial difficulty. It is one of the largest free DMP providers in the UK and is funded primarily by voluntary contributions from creditors rather than charging fees to the people it helps.
A Debt Management Plan through PayPlan works by consolidating your unsecured debts into a single monthly payment that you can afford. PayPlan distributes this payment to your creditors and negotiates with them to freeze or reduce interest and charges where possible. The process is entirely free to you.
PayPlan also provides advice on other debt solutions including Individual Voluntary Arrangements (IVAs), Debt Relief Orders (DROs), and bankruptcy. Its advisers will talk through your situation and recommend the most appropriate solution for your circumstances.
PayPlan is authorised and regulated by the Financial Conduct Authority for debt management and debt counselling. You can contact them by phone, online, or through their app.
It is worth knowing that PayPlan, like StepChange, offers the same services as paid debt management companies but at no cost. If someone is quoting you fees to manage your debts, you may be able to get the same help free of charge through PayPlan or StepChange.
If you are struggling with debt, you can contact PayPlan at payplan.com or by phone. Free debt advice is also available from StepChange on 0800 138 1111, National Debtline on 0808 808 4000, or Citizens Advice.
Quick summary
Always verify this information directly with the company, the FCA Register and Companies House before relying on it.
Free regulated debt advice — start here
If you are struggling with debt, arrears, or feel under pressure to pay, contact a free regulated debt advice service before taking any action. These services are confidential and free to use.
These are general questions that may be relevant to your situation. They are not personalised advice.
Always use contact details from PayPlan Limited’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
Free debt management plans (DMP); Individual Voluntary Arrangements (IVA); Debt Relief Orders (DRO); Bankruptcy advice; Debt consolidation
Trading names and group notes
PayPlan (Totemic Limited) provides free DMPs. PayPlan Partnership Limited handles IVAs under IPA regulation. Multiple related entities including PayPlan Solutions Limited (06161815) and PayPlan Group Limited (13263764).Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
5.0 (or high rating)
Approx. 4,200-4,298 reviews
Other review sources
Smart Money People also used for reviews. Praised for non-judgmental advisors and manageable plans.
Overall public sentiment
Predominantly positive. High Trustpilot rating. Customers value non-judgmental approach and ease of setting up DMPs. Some complaints about communication delays.
Get free qualified debt advice first
Before making any payment decision or agreeing to a plan, speak to a free regulated debt adviser who can review your full situation.
Organise your budget before making any decisions
Before making any payment decisions about a debt, get free qualified debt advice from StepChange, National Debtline or Citizens Advice. Ask Fin can also help you understand your monthly income and outgoings more clearly — but is not a substitute for regulated debt advice. General guidance only.
Explore Ask Fin — £4.99/monthGeneral guidance tools only. Not regulated advice.
Answers are general guidance only. Rules and procedures may change. Always verify with the company or a qualified adviser.
Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
Periodic review
StepChange Debt Charity
StepChange; Consumer Credit Counselling Service (formerly)
View details →
The Debt Advisor Limited
The Debt Advisor; The Business Debt Advisor
View details →
Money Advice Trust
National Debtline; Business Debtline; Wiseradviser
View details →
Citizens Advice
Citizens Advice Bureau (historical); Citizens Advice
View details →
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