PayPlan: who they are and what to do if your IVA is with them
Have an IVA with PayPlan, or a letter from them? Here is who they are, what to do if you are struggling, and where to go if something goes wrong.
Applies to: England, Wales & Northern Ireland (trust deeds in Scotland)
What to do now
- If you have an IVA with them and are struggling, contact them before you miss a payment.
- Check the alternatives to an IVA before agreeing to one.
- Free, impartial advice is available from charities such as StepChange and National Debtline.
At a glance
| What it does | Debt Management Plan, IVA, Protected Trust Deed (via PayPlan (Scotland) Limited), Debt Relief Order guidance, Bankruptcy guidance |
|---|---|
| Company | PayPlan is a trading name of Totemic Limited (company no. 2789854). IVAs are associated with PayPlan Partnership Limited (Companies House no. 07199691) and PayPlan Bespoke Solutions Limited (no. 07079646). |
| Based in | Grantham |
| Group | Its website names PayPlan Partnership Limited, PayPlan Bespoke Solutions Limited and PayPlan (Scotland) Limited as companies associated with Totemic Limited. |
| Insolvency practitioners | Its website says its named insolvency practitioners are licensed by the Insolvency Practitioners Association (IPA). |
| Website | www.payplan.com |
Who PayPlan are
PayPlan is a Grantham-based debt advice provider that offers free debt advice and Debt Management Plans. Through its associated companies it also provides IVAs, and it refers trust deeds to PayPlan (Scotland) Limited. In Insolvency Service statistics, PayPlan Partnership was the third largest IVA provider in 2025 (5,150 new IVAs, 7.2%), with PayPlan Bespoke Solutions listed separately (1,650, 2.3%).
If you already have an IVA with PayPlan
- Struggling with a payment? Tell your supervisor straight away. Most IVAs allow a payment break or a reduced payment if your circumstances change. IVA payment breaks.
- Missed payments? Missing payments can lead to your IVA failing. Act before it gets to that. Missed an IVA payment.
- Annual review coming up? You will be asked about your income and spending each year. What happens at an annual review.
- Money coming in? A windfall, inheritance or pay rise may have to go into the IVA. IVA windfalls.
- Thinking of ending it? There are routes out, including switching to another solution. Switching from an IVA.
How to complain about PayPlan
Start with the firm’s own complaints procedure, set out on its website.
If you are unhappy with how an insolvency practitioner has acted, you can complain to the Insolvency Service Complaints Gateway, which passes complaints to the practitioner’s licensing body.
If you are thinking about an IVA
An IVA is a legally binding agreement to pay part of what you owe over usually five or six years. It suits some people and not others, and the provider is paid from your payments. Before you agree to one with any firm, read how IVA companies make money and compare the alternatives to an IVA. Free advice is always available.
Independent page. My Debt Cleared is not connected with PayPlan. We do not review or rate firms. Details were checked against the firm’s own website and official records on 21 October 2026.
You never have to pay for debt advice. MoneyHelper (government-backed), StepChange, National Debtline and Citizens Advice all give free, confidential advice with no obligation.
Common questions
Is PayPlan a debt charity?
No. PayPlan is a commercial firm. Free debt advice is available from charities such as StepChange and National Debtline.
What should I do if I can't pay my PayPlan IVA?
Contact PayPlan straight away and ask about a payment break or a reduced payment. Missing payments without telling them can lead to the IVA failing.
How do I complain about PayPlan?
Use PayPlan's own complaints procedure first. If you are unhappy with how an insolvency practitioner acted, you can complain to the Insolvency Service Complaints Gateway.