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i This solution is available throughout the UK.

Can I get a payment break on my DMP or TPP?

If you’re a client of ours, you may worry about how your debt solution will be impacted by coronavirus. This is especially true if you've been furloughed, made redundant or had a reduction in income.

If you’re on a debt management plan (DMP) or token payment plan (TPP) with us, you might wonder if a payment break is suitable for you until your situation improves.

We’ve put this page together so you have clear information on where you stand and how we can support you. We'll update this page with more information as we get it. 

If you're not a client of ours, you can find out more about the debt solutions that we offer in the How We Help section.

Please don't cancel your payment without getting in touch with us first. That way, we can make sure we can continue to support you while your situation improves. You'll need to contact us before your next scheduled payment date so we have enough time to make any agreed changes. 

I might struggle with my payment. What should I do?

If you've had a change of circumstances due to the coronavirus crisis you might find it difficult to keep up with your normal payments.

A change of circumstances could be:

There may also be other challenges that you're facing right now. Whatever's happening, if you're worried about your next payment, you should let us know what you're dealing with so we can help.

Can you reduce my payment or give me a payment break?

If you’re seriously affected by coronavirus and need a payment break or reduced payment, please contact us first to let us know.

Please don’t cancel your next scheduled payment. If you need support, please tell us what you’re dealing with so we can recommend the best course of action for you.

If you have a DMP or TPP and live in Scotland, you can apply for a moratorium of up to six months against court enforcement action, even if you’ve had one before. You can find out more on the Accountant in Bankruptcy website.

Please visit our help from creditors page to find out what support is available during the coronavirus crisis.

I can start paying more into my plan again. What should I do?

If your DMP or TPP payments have been reduced and then you later find you're able to increase them again, please get in touch with us and we'll review your budget.

Please also contact us again when you’re ready to resume making payments to your plan if you've missed payments.We’ll also get in touch with you to discuss your plan if circumstances change again.

We know this may be a difficult time for you, and we're here to give you as much support as we possibly can.

What else can I do to make my monthly payment more manageable?

By regularly looking at ways to save money on your living costs, you can make your monthly DMP or TPP payment easier to manage. Our budgeting section has lots of helpful resources to help you keep track of your finances and spot opportunities to save money.