Step 4 Dealing with your non-priority debts

Making payments – ways to pay

If you have made arrangements with your creditors, you will need a convenient way to pay. There are several options.

  • Open a basic bank account which offers free standing orders. Standing orders are regular payments you ask your bank or building society to make for you. There are basic bank accounts available for business banking and for personal banking. Contact us for advice.
  • Ask your creditors for a paying-in book. Make sure there are no fees to pay.
  • Some creditors accept payments through their website. Check with your lender.
  • Check whether you have a PayPoint or Payzone outlet at a local shop and if your creditors are part of a scheme which accepts payments in this way. For details of your nearest PayPoint, see For details of Payzone, see
  • 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 number, and a covering note.
  • Keep a record of all the payments you make.

Reviewing your offers of payment

Your creditors will often write to you after you’ve made an agreement, perhaps every three or six months, to see if you can now afford to pay more. If you can’t increase your payments, write back telling them this. Enclose a copy of Your budget.