We aim to make our website as accessible as possible. However if you use a screen reader and require debt advice you may find it easier to phone us instead. Our phone number is 0 8 0 0 1 3 8 1 1 1 1. Freephone (including all mobiles).
StepChange Debt Charity logo
Go
couple-laptop

I can't pay my plan this month

I can’t make my DMP or TPP payment, what should I do?

If you’re unable to make the payment towards your DMP or TPP this month, we recommend you phone us so we can discuss your options.

If this is the first time you’ve missed a payment into your plan there may be the option to be flexible with this month’s payment, depending on the circumstances.

If you’ve missed or struggled to make several payments, missing another payment can put your plan at risk. This may be a sign that you need a budget review, to make sure your plan is right for you and that it’s sustainable.

It’s really important you let us know as soon as possible if you’re having any difficulties keeping up to date with payments. We’re here to support you all the way.

Telephone icon

 Need help?

Contact us for advice and support. We're available on 0300 303 7037. Monday to Friday from 8am to 6pm.

Is your spending increasing?

Household bills can often creep up over time. Keep track of any increases in living expenses, including your weekly food shop. If you’re finding you’re regularly spending more than you budgeted for, and can’t reduce this amount, you’ll need to contact us to review your DMP.

Has your income fallen?

If you’ve had a reduction in wages, benefits or another form of income, this may also affect your ability to pay your DMP. If less money is coming in on a permanent basis, your current plan may no longer be right for you. Our DMP support team can discuss this with you.

How can you help if I can’t afford my DMP or TPP payment?

Whatever the reason you’re struggling, we can help you deal with your debts in the most fair and realistic way possible.

It may be that we can arrange for reduced payments to be made on a temporary basis. Again, contact the support team to discuss your options.

Will my plan be cancelled if I miss my payments?

The sooner you let us know there’s a problem the sooner we can help, so it’s important to talk to us if you’re having difficulties.

If you’re struggling to regularly pay your plan then it could be a sign that it’s not the right solution for you, and in some situations we may close a plan down if it’s not working. However, we understand that life can throw up surprises and we’ll try to our best to support you with whatever happens.

Find out more about ways to pay your plan.

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.

We link to external websites where they contain relevant information for our visitors. We're not responsible for the content of these websites, or any infringement on your data rights under data protection regulations by any external website provider.

*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 2019