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These solutions are available throughout the UK. 

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Ways that you can pay your plan

The easiest way to make payments to your plan is by Direct Debit. It’s free and gives you one less thing to worry about as we’ll collect your payment from your bank account each month.

This page lists the ways you can pay us and when you need to make your payment by. If you’re unable to pay using any of the methods below please call us on 0300 303 5300 and one of our advisors will be able to help.

How to pay your plan

The easiest way to make payments to your plan is by Direct Debit. It’s free and gives you one less thing to worry about as we’ll collect your payment from your bank account each month.

Whether you're on a debt management plan (DMP) or a token payment plan (TPP), this page lists the ways you can pay us and when you need to make your payment by.

How to set up a Direct Debit

Our preferred method of payment is Direct Debit. It's the most convenient way to pay and make sure your plan runs smoothly. We’ll collect your payment straight from your bank account each month. In order to set up your Direct Debit:

1. Complete the Direct Debit mandate form we recently posted to you, and return it in the pre-paid envelope provided

2. Download and print the Direct Debit mandate form (PDF) and send it to our address

3. If you’re on a debt management plan (DMP) log in to OnlineDMP and choose the Direct Debit set-up option

You’ll need to have your bank account details available when you set up your Direct Debit.

If your situation changes and we need to change the amount you pay, you won’t need to contact your bank or make any changes; we’ll do it for you.

There are other ways you can pay towards your plan, but we’d recommend Direct Debit.

What if I can’t set up a Direct Debit in time for my first payment?

If you’ve started your plan it’s not always possible to get a Direct Debit set up in time for your first payment.

In these situations you can make a bank transfer straight into our bank account while you wait for your Direct Debit to be set up.

Setting up a standing order

If you prefer, you can also pay by standing order. You’ll need to arrange to send us the payment before the 16th of each month (14th of the month in December 2018).

The payment needs to be made to the following account:

Sort code: 204846

Account number: 70238163

You’ll need to include your client reference number and surname with each payment, and make sure there's a space between your client reference and surname, for example:

Payment reference: 123456 Smith

If you don’t do this we won’t be able to add the money your plan or pay your creditors. If we can’t pay your creditors they might contact you directly and ask for payments.

If your situation changes and the amount you pay by standing order goes up or down, you’ll need to contact your bank and make sure the standing order is changed.

Setting up a bank transfer

If you use online banking you can set up a regular transfer to send us your payment each month. You'll need to:

· Use the same details from the standing order section above

· Make sure your payment is sent before the 16th of each month (14th in December 2018)

Important things to remember

If you pay by standing order or bank transfer you need to make your payment before the 16th of each month (14th of the month in December 2018), otherwise we won’t have time to send it to your creditors.

Once we’ve received your payment in our bank account we’ll process the money and make payments to your creditors. We’ll send out payments to your creditors within five working days.

Creditors will usually receive these payments the same day we send them, but if a creditor has asked to receive payments by cheque it can take a few days more to be processed.

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 2018