About us

Totemic, from an office in a garage to global financial services.

All the best companies have humble beginnings and Totemic (2014) Holdings Ltd is no exception.

Our roots have always been in financial services. Having started out as independent financial advisers we progressed to advising those in financial difficulty, in particular serving police officers, nurses, union members and members of the armed forces. We were innovative and instrumental in devising new schemes such as debt management plans. These plans have been copied by many but PayPlan (part of the Totemic (2014) Holdings Limited group) is one of the few companies who provide their services without charging a fee to clients. PayPlan has always worked hard to maintain their links with the credit industry and outside advice agencies for the benefit of all concerned. PayPlan now manages the debts of over 100,000 people and assists over 90,000 people a year who call their helplines.

Looking for ways to enhance our service and add value to what we do; the companies under the totemic umbrella have developed a range of services that also help our clients to restructure their outgoings and maintain their debt payments in nearly all eventualities. Our experienced advisers provide free, independent and impartial advice on the best solution for a clients circumstances. From free Debt Management plans, IVAs and free debt advice to Secured Loans and Equity Release, we will quickly and sensitively work with our clients to help them regain control of  their finances.

We have even devised our own unique payment and information system, PayplanPlus, that allows clients to communicate with us online; receive information and review their debt payment plans, and find out about other products that may be of benefit throughout their debt arrangement – all in complete confidence and privacy whenever and wherever they wish.

Revenues from these additional services now form a major part of our business income.

We have a wealth of experience in personal financial management; creating bespoke systems and solutions and caring for our customers. We have grown significantly since our small beginnings over 20 years ago and now employ 1060 people in the UK and over 140 in Lisbon, Portugal.

To build on this further we have increased our portfolio of financial products and services. Through Reach Financial Services we will be offering these to clients nationally and internationally.

Finally a word about our people. Without our dedicated and professional totemic colleagues there would be no company. Whilst we are a business we have always focused on the need to grow and nurture talent. Over the past nine years our employees have consistently voted for us as one of the Sunday Times Top 100 Best Companies to work for in the UK. We look after them so that they can look after you – the customer.