Understanding Monthly Payment Options for Your POCA Debt

Prison Info

If you’re subject to a Proceeds of Crime Act (POCA) confiscation order, and you’re unsure about how to make payments towards your debt, this guide will walk you through the process.

What is a POCA debt?

The Proceeds of Crime Act (POCA) 2002 empowers UK courts to issue a confiscation order upon convicting you for certain criminal activities. POCA debt refers to the repayment of the total extracted money directed by the court via the confiscation order.

Monthly Payment Options

When it comes to repayment, there are two main options to choose from:

  1. Pay your debt in full.
  2. Set up a payment plan.

Opting to pay in full offers a quicker way to clear your debt, but may not be feasible for everyone. That’s where a monthly payment plan comes in.

Setting up a Payment Plan

If paying total debts upfront isn’t feasible, a monthly repayment plan is the next viable option. Here’s how you can set it up:

  1. Contact your financial investigator or the court to discuss your monthly repayment capacity.
  2. Provide your financial details to calculate a reasonable repayment amount.
  3. Once agreed, the payment plan is set up through direct debit.

Managing Your POCA Debt

It’s essential to keep on top of your payments and keep in regular contact with your financial investigator or the court. If your circumstances change, notify them immediately.

Understand that falling behind with payments can have severe implications like additional fines or even jail time.

Hardship Applications

You may apply for a hardship payment if you’re unable to meet your minimum debt payment due to financial hardship. The court takes into account your income, essential expenses, and arrears before making a decision.


Repaying a POCA debt can seem daunting, but there are options available to help you manage it in a structured way. Prioritise making regular payments and staying in touch with your financial investigator or the court. If you’re struggling, consider applying for a hardship payment.

Please note, while this guide is intended to be helpful, it’s not a substitute for legal advice tailored to your unique circumstances.

What is the cheapest way to call from Prison?

It is by far cheaper to call landline numbers - however landlines are becoming less common in homes & it is by far more convenient to call your loved ones mobile incase you are calling when they aren't at home. Our call packages gives you the best of both worlds - landline call pricing, but the prisoner can call you on your mobile!

Is it cheaper to call a landline from prison?

Most definitely - YES! Mobiles can cost over 25p per minute, the precious phone credit runs out very fast! Our unlimited prison calls package saves money whilst adding the convenience of being able to pickup calls on your mobile.
© PRISON INFO. All rights reserved.