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Struggling to pay your debt management plan
or credit card. If you feel that you need to take on more debt, for example if you've had some unexpected costs such as urgent repairs to your home, talk to your DMP provider first. They may be able to re
Check how to switch your internet, phone or TV provider
help budgeting, you might want a pay-as-you-go phone. It doesn’t require a credit check, but it can be more expensive if you use your phone a lot. Choosing a landline provider Think about what type
How income, debts and belongings are assessed for a debt relief order
will be able to apply for a DRO, if you meet the other conditions. How your debts are assessed Your DRO adviser will work with you to put together a list of all your debts, including: amounts owed on credit
Cold called by a debt management plan provider
Credit Sourcebook on the FCA website at www.fca.org.uk. Help us improve our website Take 3 minutes to tell us if you found what you needed on our website. Your feedback will help us give millions of people the information they need. Page last reviewed on 31 March 2021
Misled by a debt management plan provider
Cancelling a DMP Rules DMP providers must follow. More information You can check the rules DMP providers have to follow in the FCA Consumer Credit Handbook on the FCA website. Help us improve our website Take
If you’re struggling to pay your phone, internet or TV bill
or 02 number. If minutes are included in your phone contract, the call will be free. If you or your partner get Pension Credit You can get a free TV licence if both of the following apply: you're
Reducing your regular outgoings
on the TV Licensing website. Check if you can get a free TV licence You might be able to get a free TV licence if someone in your household gets Pension Credit. To get the discount, both
How to get a debt relief order
it's right for you - for example, how it might affect your credit rating, lifestyle and work. If you decide to go ahead, you'll need to work with your DRO adviser to fill in your application
Q13 - starting and finishing tasks
credit card details ready, but I just never do it as I've spent all my money on something else. I paid it really late and got fined last month, as by the time I'd got enough money together
How to get a debt management plan
follow to get a debt management plan (DMP). Step one: check which debts the DMP will cover Your DMP will usually only cover your non-priority debts - this includes things like: credit cards store