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This solution is available throughout the UK.

Monthly payment arrangements

Thank you for sharing your situation with us. We know it is not easy, but you have made great progress.

Over the years we have helped millions of people. Now we understand your circumstances, we are able to help you take the next step as well.

Maintaining your payments

You have enough money to pay the usual amounts towards your debts.

You will be able to deal with your debts if you:

  • Follow your budget
  • Plan your spending
  • Keep up with usual payments

To choose your solution and receive your personal action plan, log in here

How does it work?

After covering your costs, you have some money left over each month.

This includes your important payments or any priority debts. These are things like mortgage, rent, or council tax. And it also includes paying less important, or non-priority debts. These are things like credit cards and loans.

If you have overdue payments (or 'arrears') on your non-priority debts, we recommend using what you have left over to pay them back. You will need to agree a plan with the people you owe money so you can catch up.

Your budget shows you how long it will take you to clear non priority-arrears. Log in here to check your budget.

You will also be able to keep up your regular spending and debt payments.

Once you have paid these arrears, you will need to carry on with your normal debt repayments.

You can find out more about important, or priority payments by visiting our priority debts page.

What you should know about your payments

  • Making your payments on time: You will pay back what you owe in the time that was first agreed with your creditors
  • The collection process stops: When you have caught up with your missed payments, your creditors normally stop their debt collection process. You can find out more about what your creditors can do to collect debts by reading our guide to dealing with creditors
  • It clears any arrears you may have: Paying extra will help you catch up with your missed payments

Things to think about:

  • Following a budget can be hard if you are not used to it
  • You will have to take care of paying your debts and bills

If you have problems with any of these, please get in touch with us.

The importance of keeping up to date with priority payments

Some payments are a priority because being in arrears (when you have not paid what you are supposed to) could mean you face penalties.

Find out more about priority payments and what can happen if you fall behind with them.

Can I go ahead with another option?

Yes. If you want to choose another option, let us know. You can update your preferred option in your online account or call us on 0800 138 1111 to discuss your options.

To choose your solution and receive your personal action plan, log in here

Maintaining your payments checklist

  • Get in touch with the people you owe money to

    These are also called your creditors. Give them your client reference number and tell them we are helping you

  • Make a payment arrangement with each of them

    Show your creditors your budget so they can see what you can afford. You can then make a plan to pay your usual amounts as well as some extra amounts towards any payments you are behind on. Make sure you have enough left over each month to keep up with this arrangement

  • Pay the amount you have agreed with them

    Make sure you have enough money left over each month to keep up with these payments. If you are struggling with this, get in touch and we will find ways to help you

To choose your solution and receive your personal action plan, log in here