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Making Payments and Ways To Pay

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When you have made arrangements with your creditors, you will need a convenient way to pay. There are several things you could do.

Open a building society account that offers free standing orders.
Ask your creditors for a paying-in book.
Check whether you have a PayPoint outlet at a local shop and if your creditors are part of this scheme.
If collectors call weekly at your home and you are offering a small amount, ask them to call every month instead.
You may be able to pay at a creditor’s local office or retail outlet such as a shop.
If you send cheques or postal orders make sure you send your reference or account number and a covering note.
Keep a record of all the payments you make in case you need to dispute the amount the creditor says you owe.

Start paying as soon as you can. If there is a delay in arranging a payment method, tell the creditor why and see if they can help. In the meantime, put the money to one side so that you can bring payments up-to-date if there is a delay in making the first payments.

Your creditors will often write to you after you’ve made an agreement, perhaps every three months, to see if you can now afford to pay more. If you still can’t afford higher payments, write back and tell them, with a copy of your budget.

Still pay what you can afford even if your creditor wants more.

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