Organisations, such as PayPlan, give free, impartial and confidential advice and contacting them won’t impact your credit score. In 2022, 70% of people surveyed agreed that they found debt advice even more helpful than they’d expected, with 61% wishing they’d spoken to an advisor sooner. 

You can contact PayPlan Monday to Friday 8am-8pm or Saturday 9am-3pm or request a call back. 

PayPlan is trained to break down the options available and give guidance on what might be best for you. They can help to find solutions for any debts you hold outside of Zopa, too, and even distribute your payments to your creditors for you. 

If you’d prefer, you can request that PayPlan contact us, or your other creditors, on your behalf to work out a plan. 

You can also find free and impartial money guidance through Money Helper. Money Helper offer in depth guides to improve your finances, tools and calculators to help keep track and plan ahead as well as support over the phone and online.