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Get 24/7 help and advice on debt, managing and earning money and banking.

Help, I’m in debt!

Money worries? Arrange a call back for free, independent help and advice

If you’re struggling with rent arrears, are being contacted by creditors or have received a letter from bailiffs then don’t panic.

Access free, independent advice on a wide range of money worries with PayPlan. Offering advice by phone, email, whatsapp and live chat, PayPlan make it quick and easy to get the support that you need.

Benefits to seeking advice:

PayPlan offers free and confidential advice that is regulated by the Financial Conduct Authority (FCA).

Everyone is different, and PayPlan’s friendly, non-judgment advisers will work hard to reduce your money worries as soon as possible by:

  • reducing creditor calls when in a debt solution
  • giving confidential advice and tailored debt solutions
  • offering secure online account management once in a plan

Ready to talk?

Whatever your concerns are, PayPlan is here to help.

Talk to a member of the team today - arrange a call or email back, visit: www.payplan.com/orbit/

If you are referring on behalf of a customer then please use this link: https://referrers.payplan.com/company/orbit0518pm

Don’t just take our word for it…

93% of Orbit customers have either cleared their debts  or are making payments towards them as a result of speaking to PayPlan. PayPlan made them feel reassured and calm about their situation and the majority of customers said they now feel more determined to resolve their debt problems and are more confident about managing their money.

A further 100% of Orbit customers agreed that PayPlan are:

  • friendly, approachable and explain things clearly
  • able to answer all of their questions
  • easy to communicate with on the phone

Bankruptcy, Debt Relief Orders and IVA's

Available debt solutions

Before taking any formal debt solution, we recommend that you seek specialist advice from an independent free debt advice provider, like PayPlan.

PayPlan is regulated from the Financial Conduct Authority (FCA) and are recommended by the Money Advice Service. They offer free and confidential advice and will find a solution that is tailored towards your needs.

Everyone is different and they will work hard to get you on the path towards a debt-free future as soon as possible.

The debt solutions that PayPlan advises on include:

Arrange a call or email back from PayPlan

Talk to a member of the team today - arrange a call or email back, visit: www.payplan.com/orbit/

If you are referring on behalf of a customer then please use this link: https://referrers.payplan.com/company/orbit0518pm

I want to know more about managing my money

The Money Advice Service provides information on a wide range of issues including financial products, money-saving tips and budgeting. To get started with a budgeting tool straight away visit the Money Advice Services budget planner.

Still can’t find the help you need? Our skilled team know life can throw in the unexpected and are here to help. We can put you in touch with the right people at the right time. Ready when you are. Start TODAY click here.

Earn money, save money and make your money work for you

We can show you ways to earn more, negotiate your bills down, get cash back on purchases and do more with your money. Find out:

  • How to earn money online from your home
  • How to negotiate your bills down, sometimes by half!
  • How to gain access to an app to create and stick to a budget
  • Tips and tricks to reduce your daily spend.

To sign up please fill in the EarnItDon'tBurnIt referral form.

Need legal advice? What are your rights?

How do I get legal advice?

Use the Law Society’s quick search to find a local solicitor. Before agreeing to see a solicitor you should check about any costs that you would be taking on,

For more information on getting legal advice click here.

What are my rights if I buy something?

When you buy goods or services you have certain rights that protect you from being treated unfairly. These rights can depend on how and when you bought them. Click here to find out what your rights are and how to take action, the choices you have if the goods are not satisfactory, and the steps you can take to solve your problem. 

These consumer template letters will help you formulate a complaint about an item or a service you have received.

You can also contact the Citizens Advice Consumer Helpline for further assistance.

I need a bank account

When you want to get a new bank account, there are a number of things you need to think about. Find out here about the main types of bank account, and what you can use them for.

Payday & other types of loan

Payday loans are short-term loans for small amounts of money. They are available from high street shops and internet sites. Payday loans can be easy to get, but interest rates are very high so click here to make sure you have all the facts.

Before making a decision it’s a good idea to compare different types of loan to find out what will work best for you. Follow this link for more information.

Still can’t find the help you need? Orbit offers FREE direct and immediate access to independent debt advice and support over the phone and by email.

You can access the service now by filling in Payplan’s simple debt help form here, or you can call PayPlan on 0800 280 2816.

Payplan provides FREE direct and immediate access to debt advice and support over the phone and by email. This is a service especially for you as an Orbit customer.

Payplan have spent over 20 years helping people like you to deal with their debts and get on with living their life. Every year, they offer guidance on a wide range of practical debt solutions to more than 80,000 people – and you could be one of them.

How can they help you?

  • Help you become debt free
  • Help to protect your family and your home
  • Help deal with your creditors on your behalf.

Do you need to find a way out of debt?

One of their friendly advisers will contact you for a quick FREE no-obligation chat about your debts and how Payplan can help you. Don’t face your debts alone – we’re here for you.

Victim of fraud/scam or someone owes you money

Do you think you are a victim of fraud or a scam?

Banking security and fraud:

When you use your bank account, bank card or cheque book, you need to make sure your information and identity is secure. This will help to protect you from fraud.  You can find out how to keep your financial and personal details secure, and what to do if there is a problem by clicking here.

Identity theft:

Identity theft is where someone you don't know gets hold of your personal details, PIN number, telephone or internet banking security details and uses them to access your account. Action Fraud can help.

Someone owes me money how do I get back?

Taking legal action can be stressful and expensive. It will help if you understand how the legal system works and what kind of help you can get. Click here for Information on small claims.

Are you able to make decisions on your money?

Is someone controlling your money? Are you in debt because of someone else? Do you have access to my own money?

If this is happening to you click here.

If this is happening to someone you know click here

Need help? Contact us!

Contact Us Let us know if you'd like more help and advice and an Orbit expert will get back to you.