I am a Council or Local Authority.

Councils and Local Authorities, are looking to PaymentPlan as the solution for increasing revenue collection whilst at the same time helping families with the cost of living crisis.

By offering a payment plans for any outstanding arrears, be it council tax, HBOP, sundry debt, and CTRS, low-income families are able to commit to paying what’s due and avoid the stress (for them) and cost (for you) of debt collection agencies.

Being able to pre-approve the minimum term and minimum payment according to the debt size, makes the gruesome affair of collecting money from struggling families more palatable for both parties, whilst ensuring revenue collection targets are met.

Payment Plans are already used by Councils and Local Authorities but are often set up by a debt collection agency or a manual process within the collections team is put in place which is not ideal for an already short-staffed work force.

Offering a Payment Plan to people struggling to make ends meet, gives them some welcome relief and you can rest assured that the money will come in to you, directly in a timeframe you’ve already agreed.

The results speak for themselves:

Type of Debt	Overall Success (paid in full or in plan)
Collection rate after 90 days
Housing Benefit Over Payment	38%
Council Tax (post DCA)	47%
CTRS (post DCA)	49%
Sundry Debt	38%
Collection rate after 30 days
Housing Benefit Over Payment	23%
Council Tax	37%

Payment Plan works extremely quickly, after 4 weeks, whilst a traditional DCA will have collected 7%, we are usually looking at 30% collected or in plans.

PaymentPlan have been great to work with. I was skeptical about what we could achieve together, but in the first 4 weeks, having had positive results from 30% of our aged debt caseload, which we had all but given up on. I am excited to see what we can achieve on new debt moving forward.

Richard Moore - Rugby Borough Council

We are proud to announce that we won the IRRV Performance Award for Excellence in Partnerships (Enforcement) alongside Rugby Borough Council in October.

Excellence in Partnership Working Award Winner

Rugby Case Study

In January 2024, Rugby Borough Council loaded a test file of around 80 customers that had HBOP debt into the PaymentPlan platform. It took about 15 minutes.

This debt was old, some of it was pre-covid and it had already been to a DCA, whilst other debts were over 5 years old. £88,116.32 was about to be written off.

After only a few hours of sending our first messages, plans were created and over the next few days the numbers grew steadily.

Gentle 'nudging' messages on email and text, continued to be sent to individuals who had not yet set up a plan.

After 4 weeks around 23% had started a payment plan and after 90 days, 37.5% were in a plan; 48% if you exclude those who hadn’t been reached by our messaging.

The speed of collection coupled with strong results has convinced RBC that the platform should be front and centre of their collections programme, with debt coming to Payment Plan before being passed to a DCA.