How does a temporary repayment plan work?
Firstly, you need to work out a budget to see how much you can afford to pay towards your debts. When you’re working this out, you need to make sure that you always pay for your essential costs, such as mortgage or rent, food, electric and gas, first.
Once you’ve done this, any money you’ve got left over can be shared between your unsecured debts. You may find that you’re spending more than you've got coming in and have nothing left to pay your debts. In this situation you should make a small payment of £1 to each of your debts.