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).

Bonus payments and overtime

Some months, you might find that you’ve got a little extra money available. You may have worked some overtime or received a bonus. You can use this money to make an extra payment to your plan.

If you can do this, please let us know so we can advise you how to make the payment. Don’t pay your creditors directly. We’ll send it to your creditors for you, so we can make sure that they all get a fair amount. This means that all your debts will be repaid a little sooner.

If your circumstances change and you feel you can afford extra payments on a regular basis, please contact us so we can review your budget and make sure you can afford to do this.

FAQs

If you're able to offer a lump sum of money, a creditor may agree to take less than the full balance and write off any remaining debt. They would be agreeing to accept this lump sum as a 'full and final settlement'.

If you've got a lump sum please contact us for advice on how to use this to clear your debts.

Please contact us for advice on the best way to use this money. Depending on the amount you've got we have a specialist team who may be able to help you make settlement offers to your creditors.

If you have more money available due to overtime, bonus or some other lump sum, you can contact us to discuss the best way to use it.

If you've got arrears on any of your household bills, it's best to clear these first.

If the lump sum is available to pay into your DMP, we'll let your creditors know that it's a one-off. By paying the extra money through your DMP, you can make sure that all of debts are treated fairly.