are debt management specialists
are debt management specialists
recognise every client is different, so every solution is unique
are skilled insurance professionals
provide flexible and appropriate lending solutions
operate with full FCA authorisation

We are Totemic

The Totemic Group believes in creating solutions. With firms fully authorised and regulated by the Financial Conduct Authority (FCA) and Insolvency Practitioners Association (IPA), we combine our services of payment solutions, debt management, insurance and lending under one trusted brand which has delivered winning results for over 20 years.

Our driving force is our commitment to our clients and ensuring our products create a strong and responsible organisation that improves the lives of our clients, our people and our community.

Our Services Contact us


We provide expert debt advice, helping people find a way out of debt and enabling them to take...


Paylink has a proven track record of delivering reliable, professional cash management and onboarding software solutions using robust...


Our insurance businesses provide a wide range of solutions for our brokers and business partners and we cover...


From consumer solutions to supporting brokers, our partners in Clever Lending, Clever Mortgages, Premium Plan and Red Potato...


Recent Jobs

  • Clever Mortgages are looking for Mortgage Advisers!

    Location: Grantham (for in-house) or home/office based (for self-employed)

    Apply for job Find more jobs

About us

We empower our clients by delivering expert financial services and solutions with the relevant authorisation of both the FCA and IPA. Working together as one company, we put our clients first and demonstrate ownership through initiative, accountability, trust, and collaboration.

Find out more

More than £1m of debt written-off for vulnerable clients

Latest news / 28.02.2019

PayPlan’s vulnerable client team had another successful year after writing off more than £1m worth of debt for clients during 2018! This specialist PayPlan team works with clients who have long-term vulnerabilities including terminal illness, physical disabilities, learning difficulties and various mental health problems who have no means of paying…

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New broker portal being launched to enhance Clever Lending experience

Latest news / 28.02.2019

Brokers will soon be able to carry out all their Clever Lending activity through its brand new online portal, Clever+. The new system will provide a platform for introducing businesses to engage with Clever Lending far more effectively and submit cases online. Plus, it will assist brokers with their case…

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A Clever way onto the property ladder

Latest news / 28.02.2019

An initiative to support people who have just ended their IVAs and DMPs is proving very successful with over 200 people being offered a more financially stable future. Clever Mortgages, which is part of Financial Makeover, has helped hundreds of previous PayPlan clients find more suitable mortgages and protection products.…

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UK & European offices

£240 Million

Distributed Annually to Financial Institutions