Membership eligibility: Farmer & Grower Family Partner Retired

NFU Debt Advice Service

The NFU Debt Advice Service is delivered by PayPlan, which offers free, impartial and confidential advice to any NFU member who is struggling to repay debts.

PayPlan understands how debt can affect you, your family and your life. Unlike other debt solution providers though, we believe that you can live a normal, happy life while repaying your debts. PayPlan is the NFU’s appointed provider of free debt advice.

For more than 20 years PayPlan has been helping people in situations like yours, and we’ve developed a wide range of practical solutions that can help you to manage your debt, and live your life. All our debt advice is free. Whatever your debt problem, we can help you with free advice.

PayPlan can provide initial advice to NFU eligible members anonymously to understand your situation and help identify the best solution, to include:

Individual Voluntary Arrangements (IVA)

An IVA works by you agreeing to repay a percentage of your debt in affordable monthly payments over a given time (typically around five years), and your creditors agree to write off any outstanding debt once your final IVA payment is made.

Debt Management Plans (DMP)

A DMP is an informal agreement between you and your creditors whereby you agree to repay your debt in reduced payments that are more affordable for you.


This can occur when an individual’s debts total more than their assets. Declaring bankruptcy means an individual is financially insolvent and can be relieved of outstanding debts.

Self-employed IVA

PayPlan has tailored this debt management solution especially for the self-employed.  We will support you and ensure that you can continue to trade while repaying your debts in an affordable way.

Trust Deed

A Scottish Trust Deed is similar to an IVA and is an agreement between you and your creditors.

How do I contact PayPlan?

If you need to find a way out of debt, please choose from any of the below methods:

  • Completing our simple debt help form and one of our advisers will call you for a chat about your debts and how we can help you
  • Call us free on 0800 280 2816

Don’t face your debts alone – we’re here to help you. All conversations are anonymous and PayPlan will not share any information with the NFU that can be used to identify an individual member.

More information on PayPlan and the services they can provide NFU members can be found at or the following documents:

File downloads

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