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We can also help with PayDay Loans!

If you've taken out a payday loan and are having trouble with the high interest rates and charges then we can help! We work closely with all the major providers, such as:

Why people chose iDebtPlan?

How iDebtPlan debt management can help you...



Credit Card


Payday Loans





Total Repayments


Once on Debt Management Plan

Interest frozen

Just one monthly repayment

One point of contact

No more harassing phone calls

Single Repayment


Start reducing your Debt Repayments & regain control...

Frequently Asked Questions

Debt Management Pros and Cons

What are the Advantages of a Debt Management Plan?

A debt management plan will give you the satisfaction that you are paying ALL your debts. You will no longer need to juggle your payments and worry about those unexpected bills that life tends to throw at you

Other Advantages:
- You will have one payment each month.
- You will no longer need to communicate with your existing creditors
- Your chosen debt management company will request that interest and charges are frozen. This will stop your debts growing, enabling you to pay back the money you have borrowed.

What are the Disadvantages of a Debt Management Plan?

There are some disadvantages with a Debt Management Plan.
If your creditors refuse to freeze or lower your interest, paying a reduced amount over a longer period could increase the amount you repay.
- You are still required to repay in full any items of credit that are not included in your debt management plan.
- A Debt Management Plan will affect your credit rating in the medium to long term. As you are repaying your debts at a reduced rate, your lenders are legally obliged to send you a Default Notice to say your account is in arrears. A Default Notice will remain on your credit file for 6 years.

IVA Pros and Cons

What are the Advantages of an IVA?

One of the main advantages of an IVA is that it's legally binding. Once the contract is in place your creditors have to leave you alone, including the phone calls and letters.

Other advantages:
- Unsecured debts that are still outstanding at the end of the IVA period are written off - possibly 50% - 60% of the debt balance you begin with.
- You will also be able to set a fixed monthly household budget because your debt management adviser will help you fix an IVA repayment at a monthly amount that you can afford to repay.
- With an IVA your mortgage or rent payment along with your utility bills are always treated as a priority.

What are the Disadvantages of an IVA?

Remember, it's legally binding.
For an IVA to be agreed, creditors owing a minimum of 75% of your debts much accept the IVA. It is possible for creditors owning 25% of the debt to block the agreement. At this time you will need to consider an alternative debt solution such as bankruptcy or a debt management plan. as bankruptcy or a debt management plan.

Other disadvantages:
- Even with a legal debt solution it takes time for creditor notification - so even though creditors shouldn't harass you further, it could take a number of weeks for them to stop calling you.
- Although you make your agreed monthly payments on time, it will be 6 years from the starting date before the IVA will be removed from your credit file.
- Failure to make the agreed payments could result in your creditors moving you towards filing for bankruptcy – this will have a severe effect on your financial future.
- Using an IVA could create future credit problems so make sure it's the best of the solutions available before settling on this option of debt management.

Terms & Conditions

iDebtPlan reserves the right, at any time and without prior notice, to remove or cease to supply any product or service contained on this website. In the event that such removal takes place we shall not be liable to you in any way whatsoever for such removal.

Prices, and details, of products and services (and any offers) posted online are subject to change without notice. All products and services are subject to availability and we give no guarantee in this regard. The provision of details of products and services on this website are not, and should not be construed as, an offer to sell or buy such products or services by the relevant company. The company advertising the products or services concerned may accept or reject your offer at its sole discretion.

The copyright in the material contained in this website belongs to iDebtPlan or its licensed source. Any person may copy any part of this material, subject to the following conditions:

While iDebtPlan has taken care in the preparation of the contents of this website, this website and the information, names, images, pictures, logos, icons regarding or relating to iDebtPlan or the products and services of the same (or to third party products and services), are provided on an 'as is' basis without any representation or endorsement being made and without any warranty of any kind, whether express or implied, including but not limited to, any implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy. To the extent permitted by law, all such terms and warranties are hereby excluded. In no event will iDebtPlan be liable (whether in contract or tort (including negligence or breach of statutory duty) or otherwise) for any losses sustained and arising out of or in connection with use of this website including, without limitation, loss of profits, loss of data or loss of goodwill (in all these cases whether direct or indirect) nor any indirect, economic, consequential or special loss.

iDebtPlan does not represent that the information contained in this website is accurate, comprehensive, verified or complete, and shall accept no liability for the accuracy or completeness of the information contained in this website or for any reliance placed by any person on the information.

iDebtPlan does not warrant that the functions or materials accessible from or contained in this website will be uninterrupted or error free, that defects will be corrected or that this website or the server that makes it available are virus or bug free or represent the full functionality, accuracy, reliability of the materials.

If any of these Terms and Conditions (or any terms and conditions relating to a product or service referred to in this website) should be determined to be illegal, invalid or otherwise unenforceable by reason of the laws of any state or country in which such terms and conditions are intended to be effective, then to the extent of such illegality, invalidity or unenforceability, and in relation to such state or country only, such terms or condition shall be deleted and severed from the rest of the relevant terms and conditions and the remaining terms and conditions shall survive, remain in full force and effect and continue to be binding and enforceable. Nothing in these terms and conditions shall exclude iDebtPlan's liability for death or personal injury resulting from iDebtPlan's negligence.

All Intellectual Property Rights (including, without limitation, all database rights, rights in designs, rights in know-how, patents and rights in inventions (in all cases whether registered or unregistered and including all rights to apply for registration) and all other intellectual or industrial property rights in any jurisdiction) in any information, content, materials, data or processes contained in or to this website belong to iDebtPlan or its licensed source. All rights of iDebtPlan in such Intellectual Property Rights are hereby reserved.

Unless otherwise specified, the products and services described in this website are available only to UK residents (excluding the Channel Islands and Isle of Man). The information on this Web Site is not directed at anyone other than UK residents and applications from others will, unless otherwise stated, not be accepted. iDebtPlan makes no representation that any product or service referred to on the website are appropriate for use, or available in other locations. The information and other materials contained in this website may not satisfy the laws of any other country and those who choose to access this site from other locations are responsible for compliance with local laws if and to the extent local laws are applicable. The phone numbers provided only apply to phone calls made from within the UK.

These Terms and Conditions and any terms and conditions relating to products or services described in this website shall be governed by and construed in accordance with the laws of England and Wales. Disputes arising in relation to the same shall, unless otherwise expressly agreed, be subject to the exclusive jurisdiction of the courts of England and Wales.

Telephone calls using the telephone numbers provided on this website and email correspondence with iDebtPlan at the email addresses accessible through, or discernible from, this website may be recorded or monitored. By using such communication methods you are consenting to the recording or monitoring of the same.

If you apply for any product or service detailed on this website, these Terms and Conditions should be read in conjunction with any other terms and conditions which relate to any such product or service and, in the event of any contradiction between these Terms and Conditions and the specific terms and conditions relating to such product or service, the latter shall prevail. For the purposes of these Terms and Conditions, product(s) and service(s) shall include, without limitation, any insurance or financial service.

The images, logos and names on this website which identify iDebtPlan or third parties and their products and services are proprietary marks of iDebtPlan or the relevant third parties. Nothing contained in this website shall be deemed to confer on any person any licence or right on the part of iDebtPlan or any third party with respect to any such image, logo or name.

We reserve the right to change these terms and conditions at any time by posting changes on the website. It is your responsibility to review the website terms and conditions regularly to ensure you are aware of the latest terms and conditions. Your use of this website after a change has been posted will be deemed to signify your acceptance of the modified terms and conditions. We recommend that you print off and retain for your records a copy of these terms and conditions from time to time and a copy of any terms and conditions relating to any product or service which you apply for online, together with any related application form completed and submitted. Any amendment to terms and conditions must be agreed in writing by us, or, if appropriate, by the relevant company with whom you contract.



iDebtPlan takes the security and privacy of the personal information that you provide very seriously and is committed to protecting and respecting your privacy. iDebtPlan takes every reasonable precaution to ensure that your information is used only in ways as outlined in this privacy policy ("Privacy Policy") and the iDebtPlan Terms and Conditions ("Terms and Conditions") found here.

iDebtPlan is a trading style of Impressia Limited who is registered under the Data Protection Act 1998 (the, "DPA") and the Information Commissioner's Office (the, "ICO") under registration number ZA129339 and operates in accordance with these laws, as well as The Privacy and Electronic Communications (EC Directive) Regulations 2003 (the, "Directive").

This Privacy Policy will explain how iDebtPlan will use your information for marketing and other purposes and will explain who iDebtPlan may disclose your information to. This information can be found in the Third Party Partner Section of this Privacy Policy, which you can access by clicking here. By submitting your details to iDebtPlan via this website, (the "Site"), or by telephone via call centre (the "Call Centre"), you consent to iDebtPlan use of your personal information in accordance with this Privacy Policy.

This policy (together with the Terms and Conditions and any other documents referred to on it) sets out the basis on which any personal data iDebtPlan collects from you, or that you provide to iDebtPlan, will be processed by. Please read the following carefully to understand iDebtPlan views and practices regarding iDebtPlan ng your personal data and how we will treat it.

Telephone Preference Service (TPS)

If you are registered with the telephone preference service (TPS) you understand that by agreeing to the terms of this privacy policy you are giving express consent for iDebtPlan and their third party companies to contact you via telephone and SMS for the purpose of progressing your application(s). Further information is available on the ICO website found here:

Information We May Collect From You

iDebtPlan may collect and process the following personally identifiable information about you from your use of the Site:

IP addresses

iDebtPlan may collect information about your computer, including where available your IP address, operating system and browser type, for system administration and to report aggregate information to our advertisers or third party marketing partners. This is statistical data about our users' browsing actions and patterns, and does not identify any individual.


Cookies are small data files, applied by the majority of websites, which transfer text-only information to the browser of your computer. The Site requires the use of cookies in order for it to work effectively. Some cookies are essential in order to enable you to move around the Site and use its features, such as enabling you to sign in to the Site. These cookies don't gather information about you that could be used for marketing or remembering where you have been on the internet. This category of cookies cannot be disabled. iDebtPlan also use cookies to improve your experience of the Site as well as to provide information to iDebtPlan.

By using the Site you accept the use of cookies. You may control the cookies used by the Site by modifying the settings in your browser to change your cookie preferences. If cookies are disabled, this may mean that the Site will not work effectively. For more detailed information about cookies and how they can be managed and deleted please visit

Where We Store Your Personal Data

All information you provide to iDebtPlan is stored on our secure servers. Where iDebtPlan has given you (or where you have chosen) a password which enables you to access certain parts of the Site, you are responsible for keeping this password confidential. iDebtPlan asks you not to share a password with anyone. You are responsible for all usage of the Site through your password, including use by a third party authorised by you. iDebtPlan may assume any person accessing the Site through your password is authorised to do so.

Unfortunately, the transmission of information via the internet is not completely secure. Although iDebtPlan will do our best to protect your personal data, iDebtPlan cannot guarantee the security of your data transmitted to the Site and any transmission is at your own risk. Once iDebtPlan has received your information, iDebtPlan will use strict procedures and security features to try to prevent unauthorised access. Such procedures shall be in compliance with our internal security policy and all applicable laws, including the DPA, ICO and Directive.

Uses Made of Your Information

iDebtPlan may use information held about you in the following ways:

Disclosure of Your Information

iDebtPlan may disclose your personal information to any member of iDebtPlan group, which means iDebtPlan affiliates, subsidiaries, or iDebtPlan ultimate holding company and its subsidiaries, as defined in section 1159 of the UK Companies Act 2006.

iDebtPlan may also disclose your personal information to third parties (all of who fall within the sectors listed in the Third Party Partner section of this Privacy Policy, which can be found here):

iDebtPlan may also provide your information if it includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.

If at any time you prefer not to receive any marketing messages, you can unsubscribe at any time. Please see below on how to unsubscribe under the Your Rights section of this Privacy Policy.

Third Party Partners

It is irrevocably understood that by agreeing to the terms of this privacy policy explicit consent is given for third party marketing material relevant to the User. This includes, but is not limited to, social and financial products, promotions and services using email, telephone, SMS and post mediums on an annual or bi-annual basis.

Here is iDebtPlan list of sectors whereby iDebtPlan valued, third party data partners who fall within such sectors may send you marketing messages via email, telephone, SMS or post:

Your Rights

You can withdraw your consent to the use of your details for marketing purposes at any time. You can either:


The Site may, from time to time, contain links to and from the websites of iDebtPlan partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that iDebtPlan does not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.

Access to information

The Act gives you the right to access information held about you. Your right of access can be exercised in accordance with the Act. Any access request may be subject to a fee of £10 to meet iDebtPlan costs in providing you with details of the information iDebtPlan holds about you.

Changes to iDebtPlan Privacy Policy

Please note that this Privacy Policy forms part of iDebtPlan Terms and Conditions for use of the Site and forms part of the agreement between you and iDebtPlan iDebtPlan may, from time to time, amend this Privacy Policy, in whole or in part, in iDebtPlan sole discretion. Any changes to this Privacy Policy will be effective immediately upon the posting of the revised privacy policy on the Site. Depending on the nature of the change, iDebtPlan may announce the change: (a) on the home page of the Site; or (b) by email, if iDebtPlan has your email address. In any event, by continuing to use the Site following any changes, you will be deemed to have agreed to such changes. If you do not agree with the terms of this Privacy Policy, as it may be amended from time to time, in whole or part, you must not use the Site.

Useful Information

For useful information about data protection you can visit:


If you feel you need to complain about the company

iDebtPlan strives to maintain the highest levels of customer service, endeavouring to provide each and every customer with a friendly, helpful and professional approach. We aim to give you the appropriate financial solution wherever possible and always do our best to deal with your affairs in a timely manner. Part of our commitment to customer service is to have a complaints procedure, which you can use if you are dissatisfied with any aspect of our service. We certainly appreciate your feedback as it will assist us in improving the level of service we provide.

How to complain

Whilst we try to resolve any issues you have on the telephone, if you wish to make a formal complaint, you must set it out in writing. We suggest you email:

What iDebtPlan will do with your Complaint

We will send you a written acknowledgement of your complaint within 5 working days.
We will aim to resolve your complaint, which will be reviewed by both a manager and a compliance officer, as soon as we can. We will keep you informed of the progress of your complaint. If the complaint involves an organisation other than us, we will inform them too and ask them to deal with their part of the complaint by contacting you directly. We will aim to resolve your complaint within eight weeks of first receiving it in writing. Only in exceptional circumstances will we not do so and we will inform you of those circumstances in writing. If we uphold your complaint within eight weeks, we will send you a letter offering appropriate redress, which may vary from an apology to financial compensation. In any circumstances, (other than if your complaint is resolved within the eight weeks following its receipt) the Company will send you a final response letter no later than eight weeks following the date that we get your complaint. If you disagree with this letter, you can take your complaint to the Financial Ombudsman Service.

If you are still dissatisfied

Whilst we undertake to look into any complaint carefully and promptly and to do all we can to explain the position to you, if you remain dissatisfied, you have the right to refer the matter to the Financial Ombudsman Service, we will provide you with details on how to do so at the time.