Include all of your debts in your TPP
Your TPP is designed to support you in dealing with all of your debts. If you’re paying any cards, loans or overdrafts which you’ve not told us about, it’s likely you’ll struggle to afford your payments.
If you’ve missed any debts from your TPP, contact your TPP provider so they can update your plan.
Focus on the progress you're making
Your TPP helps you manage your debts until your situation improves, or you’re able to take steps to deal with them permanently. Improvements in your situation include a new job, an increase in income or a reduction in living costs.
Sometimes when you’re expecting a positive change in your situation, it may not come to pass or takes longer than expected. If this is the case, please let your TPP provider know so they can assist you and help keep your plan running smoothly. It’s important to remember that you’re being proactive about your debts and that is something to be proud of.
Is a TPP right for you?
If you’re considering a token payment plan, the best thing to do is get some debt advice first. Our online Debt Remedy tool can provide you with a tailored budget and debt solution.
Alternatively, you can call our Helpline for free and speak to one of our expert advisors.