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PayPlan

Free debt advice and free debt management plans. IVAs go to its sister company, PayPlan Partnership.

4.6 / 5 4,405 reviews on Trustpilot checked

A customer review score from Trustpilot, not our rating, and not a sign that this company suits you.

Fees: Free debt advice and free debt management plans. IVAs are run by a sister company, and IVA fees come out of your monthly payments.

Creditors pay PayPlan donations to fund its plans. An IVA is run by a different company.

Visit PayPlan

Opens the company’s website. Nothing to fill in on our site.

The company you contact will look at your situation and tell you what it can offer. We do not assess you.

What they do

  • Debt advice
  • Free debt plan (DMP)
  • IVAs
  • Debt Relief Order help
  • Bankruptcy help
  • Breathing Space

Works in: England, Wales, Scotland and Northern Ireland.

Source: the company’s website, checked

Costs

Free debt advice and free debt management plans. IVAs are run by a sister company, and IVA fees come out of your monthly payments.

Source: the company’s website, checked

Who you deal with

  • Totemic Limited (trading as PayPlan)

    Companies House number 02789854

    FCA firm reference number 681263 on the Financial Conduct Authority register

    Gives advice and runs debt management plans. FCA register shows this name for this number.

  • PayPlan Partnership Limited

    Companies House number 07199691

    Sets up and manages IVAs, with licensed insolvency practitioners. No FCA number stated for this company.

What we checked, and what is still missing
Legal entity
Checked at the official company registry; incorporation is not regulatory permission.
Permissions and practitioner licences
Company statement; independent confirmation incomplete.
Service countries
Checked on the company’s own website; this is a company statement about its service.
Services
Checked on the company’s own website; this is a company statement about its service.
Fees
Checked on the company’s own website; this is a company statement about its service.
Website destination
Checked on the company’s own website; this is a company statement about its service.
Review profile
Checked on the named Trustpilot profile; not proof of permission or outcomes.

Confirmed at source: Trustpilot 4.6 from 4,405 reviews; entities and numbers on its own site and Companies House; Totemic FRN 681263 on the FCA register; funding and IVA pages. PayPlan Partnership is not shown as FCA-authorised on its own site; no FRN recorded, and its practitioner licences are not checked on a register. Scotland is served by PayPlan (Scotland) Limited (SC400113) through trust deeds, not IVAs. Service countries (24 Oct 2026): its IVA, DRO and bankruptcy pages each say England, Wales and Northern Ireland (https://www.payplan.com/debt-solutions/iva/, /debt-relief-order/, /bankruptcy/). Its DMP FAQ says terms differ for Scottish clients, and no page read says free DMPs cover Northern Ireland, so free DMPs are listed for England and Wales only.

Good to know

Creditors pay PayPlan donations to fund its plans. An IVA is run by a different company.

How this listing works

PayPlan does not pay us. The link to its website is unpaid. We checked most of these facts at their sources on 24 October 2026. Some details could not be confirmed; the notes above say where. How we compare

Read PayPlan’s reviews on Trustpilot

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