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i This solution is available throughout the UK.

Can I get a payment break on my DMP or TPP?

You may worry about how your plan will be impacted if you cannot make a payment. This could be due to redundancy, an unexpected, cost or a reduction in income.

If you are on a debt management plan (DMP) or token payment plan (TPP) with us, you might wonder if a payment break is suitable for you until your situation improves.

We have put this page together so you have clear information on where you stand and how we can support you.

If you are not a client of ours, you can find out more about the debt solutions that we offer in the How We Help section.

Please do not cancel your payment without getting in touch with us first. That way, we can make sure we can continue to support you while your situation improves. You will need to contact us before your next scheduled payment date so we have enough time to make any agreed changes.

I might struggle with my payment. What should I do?

If you have had a change of circumstances you might find it difficult to keep up with your normal payments.

A change of circumstances could be:

There may also be other challenges that you are facing right now. Whatever is happening, if you are worried about your next payment, you should let us know what you are dealing with so we can help.

Can you reduce my payment or give me a payment break?

It is not possible to get a payment break on a DMP or TPP. Your budget should be put together in a way that means you can afford to make payments toward your debts and household living costs.

We understand that sometimes things happen that are out of our control. If something happens which means you cannot afford your monthly payment on a one-off bases, you should still contact us and let our advisors know. They will make sure that the people you owe are told why you could not make a payment.

Missing several monthly payments could lead to your plan being closed. Always contact us if you are struggling with your payments.

If you are affected by a long-term change in circumstances and can no longer afford your DMP or TPP payment, please contact our advisors so they can review your budget with you. This could result in:

  • Your monthly payments being reduced
  • A different solution being recommended to you

I can start paying more into my plan again. What should I do?

If your DMP or TPP payments have been reduced and then you later find you are able to increase them again, please get in touch with us and we will review your budget.

What else can I do to make my monthly payment more manageable?

By regularly looking at ways to save money on your living costs, you can make your monthly DMP or TPP payment easier to manage. Our budgeting section has lots of helpful resources to help you keep track of your finances and spot opportunities to save money. We also recommend seeking help from other organisations who may be able to help you with benefits and trust funds.