Step 3 Choose your debt solution 3 Ways to pay your creditors and make offers of payment Ways to pay your creditors You will need a convenient way to pay your creditors. There are several options to consider. Whichever option you choose, keep a record of all the payments you make. Check if your bank account offers free standing orders. Standing orders are regular payments you ask your bank or building society to make. See our Safe bank accounts fact sheet. Check whether your creditor accepts payments through their website. Ask your creditors for a paying-in book. Make sure there are no fees to pay. Check if you have a local PayPoint or Payzone outlet and whether your creditors accept payments this way. For your nearest PayPoint, go to www.paypoint.com. For Payzone, go to www.payzone.co.uk. See if you can pay at a creditor’s local office or shop. Send a cheque or postal order. Include a covering note with your reference number. We have detailed fact sheets covering a range of debt topics. Our fact sheets are not included with this guide, but we will tell you when one is available. To get a copy, go to www.nationaldebtline.org or contact us and we will send you a copy. Page 51