A TPP gives you extra time to handle your debts, and ease things with the people you owe.
We do not charge fees for token payment plans.
We work out what money you have left over to repay your debts after you pay for things you need to live, like food, housing, and utility bills. You make one monthly payment to us, and we share this between the people you owe money to.
With a TPP, interest and charges are often stopped by creditors. This is because regular payments are being made to them through the token payment plan.