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Token Payment Plan

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With a Token Payment Plan

You pay a smaller amount that you can more easily afford

How does it work?


If you’re finding it impossible to pay the full amount of your bills and debts, you may be able to arrange a Token Payment Plan with your creditors – in which you pay a smaller amount that you can more easily afford.

The first step is for you to figure out your budget and see how much you can realistically manage to pay each month. You don’t want to over-promise anything, or leave yourself short of money for your rent, mortgage or daily essentials.

Even if you can only spare a pound or two, it’s worth paying this money to your creditors to show that you’re trying your best. But they’re under no obligation to reduce the interest and charges on your debt and may decide not to do you any financial favours.

In addition, making reduced payments towards a debt can sometimes impact your credit record, meaning it may be difficult for you to take out more credit in the future. So before you do anything towards a Temporary Repayment Plan, it’s a good idea to get advice from a free, independent and expert service like ours.

Get in touch with our team today by calling 0800 138 3422 or filling in our short assessment form.

What to expect

  1. We’ll use the information you’ve given us to establish the nature and urgency of your debt.
  2. We’ll continue to advise you and give you a detailed analysis of the help available to you.  We can do this by booking you in for a face-to-face appointment at your nearest centre, or a telephone or video call advice session or continue to advise you by message.

    You choose how we can help you

  3. We’ll explore your situation and get all of the information to be able to provide you with advice.  We will then discuss your options and talk you through the pros and cons of each.

  4. We’ll establish the best possible solution and help you to resolve your debt – whether that’s by means of advocacy, representation or negotiation on your behalf, or by helping you write letters and supporting you throughout the process. If you need advice from outside of our services then we can refer you for further support too!

Find your nearest advice centre

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Barking and Dagenham Citizens Advice

2 Town Square
London
IG11 7NB
T: 0808 164 2480

Monday: 09:30 - 17:00
Tuesday: 09:30 - 17:00
Wednesday: 09:30 - 17:00
Thursday: 09:30 - 17:00
Friday: 09:30 - 17:00

Citizens Advice Brent

270-272 High Road
London
NW10 2EY
T: 0808 164 2480

Monday: 10:00 - 16:00
Tuesday: 13:00 - 19:00
Wednesday: 10:00 - 16:00
Thursday: 10:00 - 16:00
Friday: 10:00 - 16:00

Brent Civic Centre

32 Engineers Way
Wembley
HA9 0FJ
T: 0808 164 2480

Monday: 09:00 - 15:00
Tuesday: Closed
Wednesday: Closed
Thursday: Closed
Friday: Closed

Citizens Advice Bromley

4 South St
Bromley
BR1 1RH
T: 0808 164 2480

Brixton Advice Centre

165-167 Railton Road
London
SE24 0LU
T: 0808 164 2480

Monday: 10:00 - 15:00
Tuesday: 10:00 - 15:00
Wednesday: 10:00 - 15:00
Thursday: 10:00 - 15:00
Friday: Closed

Brixton Foodbank

St Luke's Church
Knights Hill
London
SE27 0HS
T: 0808 164 2480

Monday: Closed
Tuesday: 10:00 - 13:00
Wednesday: Closed
Thursday: Closed
Friday: Closed
Saturday: 10:00 - 13:00

Fair Finance

18 Ashwin Street
London
E8 3DL
T: 0808 164 2480

Monday: Closed
Tuesday: Closed
Wednesday: 09:30 - 16:00
Thursday: Closed
Friday: Closed

Citizens Advice Hammersmith and Fulham

Avonmore Library
7 North End Crescent
London
W14 8TG
T: 0808 164 2480

Monday: 09:30 - 17:00
Tuesday: 09:30 - 17:00
Wednesday: 09:30 - 17:00
Thursday: 09:30 - 17:00
Friday: 09:30 - 17:00

Citizens Advice Hillingdon and Ealing

Civic Centre
Uxbridge
UB8 1UW
T: 0808 164 2480

Monday: 09:30 - 17:00
Tuesday: 09:30 - 17:00
Wednesday: 09:30 - 17:00
Thursday: 09:30 - 17:00
Friday: 09:30 - 17:00

Citizens Advice Lewisham

Bonfield Road
London
SE13 5EU
T: 0808 164 2480

Monday: 10:00 - 13:00 and 14:00 - 16:00
Tuesday: 10:00 - 13:00 and 14:00 - 16:00
Wednesday: 10:00 - 13:00 and 14:00 - 16:00
Thursday: 10:00 - 13:00
Friday: 10:00 - 13:00 and 14:00 - 16:00

Richmond Citizens Advice

94-102 High Street
Hampton Hill
TW12 1NY
T: 0808 164 2480

Monday: 10:00 - 14:00
Tuesday: 17:00 - 19:00
Wednesday: 10:00 - 14:00
Thursday: Closed
Friday: 10:00 - 14:00

South West London Law Centres - Croydon branch

5th Floor Davis House
Robert Street
Croydon
CR0 1QQ
T: 0808 164 2480

Waltham Forest Citizens Advice

220 Hoe Street
London
E17 3AY
T: 0808 164 2480

Monday: 10:00 - 16:00
Tuesday: 10:00 - 16:00
Wednesday: 10:00 - 16:00
Thursday: 10:00 - 16:00
Friday: 10:00 - 16:00

Mary Ward Legal Centre

10 Great Turnstile
London
WC1V 7JU
T: 0808 164 2480

Monday: 10:00 - 16:00
Tuesday: 10:00 - 16:00
Wednesday: 10:00 - 16:00
Thursday: 10:00 - 16:00
Friday: 10:00 - 16:00

Kentish Town Citizens Advice

2 Prince of Wales Road
London
NW5 3LQ
T: 0808 164 2480

Monday: Closed
Tuesday: Closed
Wednesday: Closed
Thursday: 14:00 - 16:00
Friday: 14:00 - 16:00

Enfield Citizens Advice

Unit 3, 5 Vincent House
Nags Head Road
Enfield
EN3 7FN
T: 0808 164 2480

Monday: 10:00 - 13:00
Tuesday: Closed
Wednesday: Closed
Thursday: 10:00 - 13:00
Friday: Closed

Enfield Carers

Britannia House
137-143 Baker Street
Enfield
EN1 3JL
T: 0808 164 2480

Monday: Closed
Tuesday (Fortnightly): 10:00 - 13:00
Wednesday: Closed
Thursday: Closed
Friday: Closed

Haringey Citizens Advice

20E Waltheof Gardens
London
N17 7DN
T: 0808 164 2480

Monday: Closed
Tuesday: Closed
Wednesday: 10:00 - 13:00
Thursday: Closed
Friday: Closed

Citizens Advice Southwark

8 Market Place
London
SE16 3UQ
T: 0808 164 2480

Monday: 10:00 - 16:00
Tuesday: 10:00 - 16:00
Wednesday: 10:00 - 16:00
Thursday: 10:00 - 16:00
Friday: 10:00 - 16:00

Citizens Advice Southwark

97 Peckham High Street
London
SE15 5RS
T: 0808 164 2480

Monday: 10:00 - 16:00
Tuesday: 10:00 - 16:00
Wednesday: 10:00 - 16:00
Thursday: 10:00 - 16:00
Friday: Closed

Kensington & Chelsea

2 Acklam Road
London
W10 5QZ
T: 0808 164 2480

Monday: 09:30 - 17:00
Tuesday: 09:30 - 17:00
Wednesday: 09:30 - 17:00
Thursday: 09:30 - 17:00
Friday: 09:30 - 17:00

Meridian Money Advice

St Alfege Passage
London
SE10 9JS
T: 0808 164 2480

Monday: 09:00 - 12:30 and 13:30 - 15:30
Tuesday: 09:00 - 12:30 and 13:30 - 15:30
Wednesday: 09:00 - 12:30 and 13:30 - 15:30
Thursday: 09:00 - 12:30 and 13:30 - 15:30
Friday: 09:00 - 12:30 and 13:30 - 15:30

Nucleus

298 Old Brompton Road
London
SW5 9JF
T: 0808 164 2480

Monday: 13:30 - 17:00
Tuesday: Closed
Wednesday: Closed
Thursday: 12:00 - 13:30
Friday: Closed

Sutton Citizens Advice

68 Parkgate Road
Wallington
SM6 0AH
T: 0808 164 2480

Monday: 09:00 - 17:00
Tuesday: 09:00 - 17:00
Wednesday: 09:00 - 17:00
Thursday: 09:00 - 17:00
Friday: 09:00 - 17:00

Toynbee Hall

28 Commercial Street
London
E1 6LS
T: 0808 164 2480

Monday: 10:00 - 16:00
Tuesday: 10:00 - 16:00
Wednesday: 10:00 - 16:00
Thursday: 10:00 - 16:00
Friday: 10:00 - 16:00

Citizens Advice Westminster

21a Conduit Place
London
W2 1HS
T: 0808 164 2480

Monday: Closed
Tuesday: 17:30 - 19:00 (for employed only)
Wednesday: Closed
Thursday: Closed
Friday: Closed

Citizens Advice Westminster - Church Street Library

67 Church Street
London
NW8 8EU
T: 0808 164 2480

Monday: Closed
Tuesday: Closed
Wednesday: 10:30 - 12:30 (doors open at 10am)
Thursday: Closed
Friday: Closed

Citizens Advice Westminster - Churchill Gardens Residents Hall

Churchill Gardens
London
SW1V 3AL
T: 0808 164 2480

Monday: Closed
Tuesday: Closed
Wednesday: Closed
Thursday: 10:00 - 12:00
Friday: Closed

South West London Law Centres - Merton branch

112 London Road
Modern
SM4 5AX
T: 0808 164 2480

South West London Law Centres - Wandsworth branch

76 Falcon Road
Wandsworth
SW11 2LR
T: 0808 164 2480

Citizens Advice Westminster - Beethoven Community Centre

Third Avenue
London
W10 4JL
T: 0808 164 2480

Monday: 13:30 - 16:00 (doors open at 13:00)
Tuesday: Closed
Wednesday: Closed
Thursday: Closed
Friday: Closed

Debt Free London HQ

28 Commercial Street
London
E1 6LS
T: 0808 164 2480

Monday: 10:00 - 17:00
Tuesday: 10:00 - 17:00
Wednesday: 10:00 - 17:00
Thursday: 10:00 - 17:00
Friday: 10:00 - 17:00

Citizens Advice Bristol

48 Fairfax Street
Bristol
BS1 3BL
T: 0808 278 7957

Telephone and other Digital Services Only (Offices are currently closed)

Monday:        10:00 - 13:00

Tuesday:       10:00 - 13:00

Wednesday: 10:00 - 13:00

Thursday:     10:00 - 13:00

Friday:          10:00 - 13:00

Citizens Advice Bath & North East Somerset

2 Edgar Buildings
Bath
BA1 2EE
T: 0344 848 7919

Telephone and other Digital Services Only (Offices are currently closed)

Monday:        9:30 - 14:30

Tuesday:       9:30 - 14:30

Wednesday:  9:30 - 14:30

Thursday:      9:30 - 14:30

Friday:           9:30 - 14:30

Citizens Advice North Somerset

39 Oxford Street
Weston-super-Mare
BS23 1TN
T: 0800 144 8848

Telephone and other Digital Services Only (Offices are currently closed)

Monday:        9:00 - 17:00

Tuesday:       9:00 - 17:00

Wednesday:  9:00 - 17:00

Thursday:      9:00 - 17:00

Friday:           9:00 - 17:00

Citizens Advice South Somerset

Petters House
Petters Way
Yeovil
BA20 1SH
T: 03444 889 623

Telephone and other Digital Services Only (Offices are currently closed)

Monday:        10:00 - 16:00

Tuesday:       10:00 - 16:00

Wednesday:  10:00 - 16:00

Thursday:      10:00 - 16:00

Friday:           10:00 - 16:00

GL Communities

Advice & Resource Centre, Norbury Avenue
Matson
Gloucester
GL4 6AG
T: 01452 505544

Telephone and other Digital Services Only (Offices are currently closed)

Monday:        9:00 - 15:00

Tuesday:       9:00 - 15:00

Wednesday:  9:00 - 15:00

Thursday:      9:00 - 15:00

Friday:           9:00 - 15:00

North Bristol Advice Centre

2 Gainsborough Square
Lockleaze
Bristol
BS7 9XA
T: 07731 842 763

Telephone and other Digital Services Only (Offices are currently closed)

Monday:        9:30 - 16:30

Tuesday:       9:30 - 16:30

Wednesday:  9:30 - 16:30

Thursday:      9:30 - 16:30

Friday:           CLOSED

South Bristol Advice Services

Withywood Centre, Queens Road
Withywood
Bristol
BS13 8QA
T: 0117 903 8358

Telephone and other Digital Services Only (Offices are currently closed)

Monday:        09:00 - 17:00

Tuesday:       09:00 - 17:00

Wednesday:  09:00 - 17:00

Thursday:      09:00 - 17:00

Friday:           09:00 - 17:00

St Pauls Advice Centre

146 Grosvenor Road
St Pauls
Bristol
BS2 8YA
T: 0117 955 2981

Telephone and other Digital Services Only (Offices are currently closed)

Monday:       10:00 - 16:00

Tuesday:       10:00 - 16:00

Wednesday:  14:00 - 16:00

Thursday:      10:00 - 16:00

Friday:           10:00 - 12:00

Talking Money

1 Hide Market, West Street
St Philips
Bristol
BS2 0BH
T: 0117 954 3990

Telephone and other Digital Services Only (Offices are currently closed)

Monday:        9:30 - 17:00

Tuesday:       9:30 - 17:00

Wednesday:  9:30 - 17:00

Thursday:      9:30 - 17:00

Friday:           9:30 - 17:00