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Ways to help your TPP run smoothly

When you're on a token payment plan (TPP) it helps to understand more about what to expect and how to deal with certain situations. Here are five tips that can help keep your plan running smoothly.

1. Stand your ground with creditors

When you’re on your TPP, your creditors can still contact you and ask you to make higher payments. If this happens it’s vital that you stand your ground and stick to your agreed payments. Don’t feel pressured into making extra payments to creditors which you can’t afford. It often helps to refer creditors to the budget we sent to them when we set up your TPP, which shows the reasons why you’re making token payments. If you’re worried about something in particular then please contact us for advice.

2. Tell us if your debts change hands

Some debts may be sold or passed to debt collection companies. This is normal and part of the debt collection process.
If this happens, the company taking over the debt should contact you by letter or email and explain this to you. They’ll also give you details of where to make future payments.

You’ll need to let us know if this happens so we can update your TPP and make your payments to the new company. It helps to have the letter or email to hand when you contact us to save you time.

3. Include all of your debts in your TPP

Your TPP is designed to support you in dealing with all of your debts. If you’re paying any cards, loans or overdrafts which you’ve not told us about, it’s likely you’ll struggle to afford your payments. 

If you’ve missed any debts from your TPP, contact us so we can update your plan. Don’t worry – we will help, and whatever your reason for not including debts in your TPP initially, we’ll not judge you.

4. Remember we’re here to help you

Your TPP helps you manage your debts until your situation improves, or you’re able to take steps to deal with them permanently.
We also know that sometimes when you’re expecting a positive change in your situation it doesn’t happen, or takes longer than expected. By keeping us updated we can help keep your plan running smoothly.

5. Don’t struggle on if you feel things aren’t right

If you’re struggling or are worried, please pick up the phone and call us. We’re here to do more than just administer payments.
Don’t beat yourself up over it either – being in debt is nothing to be ashamed of.


Our team is here to help

0300 303 5666 Monday to Friday 8am to 6pm, Saturday 8am to 4pm


Our address

StepChange Debt Charity

Wade House

Merrion Centre



Helping you become debt free...

“I wish to thank your staff for all the great help they gave me when I was in so much debt.
They were a pillar of support to me.” (Leslie, Essex)

Foundation for Credit Counselling Wade House, Merrion Centre, Leeds, LS2 8NG trading as StepChange Debt Charity and StepChange Debt Charity Scotland. A registered charity no.1016630 and SC046263. It is a limited company registered in England and Wales (company no:2757055). Authorised and regulated by the Financial Conduct Authority.

*This is the average rating of our service based on the StepChange reviews on Feefo by DMP and DRO clients three months into their solution.

© StepChange Debt Charity 2017