Contacting Payplan

[debbiw]

I am getting really frustrated now. I have tried emailing my case officer at Payplan twice now, and not received a response. If i call i can get through no problem, but i would rather email as I am at work, and its a small office, so everyone would be able to hear..
I only want to ask when i should pay my overtime over, whether it be monthly or quarterly. I also informed them that i had a small payrise of £88 net per month in January, but they haven't responded to that either... I'm trying to do my bit, but not getting anything back.

I have now emailed again today, and also emailed my IP, so I am waiting for a response of either of them. I won't hold my breathe.

Can one of the experts help with the above please...[?]

[ianmillington]

Hi Debbie

What does your proposal say about overtime and pay increases etc?

Ian

[debbiw]

Hi Ian, When i spoke to my IP on my creditors meeting day, he went through all the modifications, and he said i was allowed to keep 10% of any overtime, then after that pay over 50%.. I have been reading through my chairmans report and have found this
"Where net income has increasedincluding routine overtime, the debtor shall increase monthly contribution into the arrangement by 50% of the net surplus after taking into account cost of living. The level of contribution into the arrangement and any arrearage calculation thereof will commence from the date of the review. If additional income has been received but not paid into the arrangement as above the supervisor must immeadiately issue a certificate of non compliance unless he beleives a further creditors meeting should be held...??

[ianmillington]

That looks like the standard Tix Modification. There should be a further mod covering overtime, referring to 50% of take-home pay. Is it there?

[SharonR]

Hi Debbiw

I am with Payplan also. I find that they are normally quite easy to get hold of, maybe the person you are emailing is off.

Anyway it sounds like your mods are similar to mine, and it states in my chairmans report that I must pay 50% of my overtime (after the 10% allowed)within 14 days of receiving it.

Also I have just had a monthly pay increase of £60 and Payplan stated that this is reviewed at my first year review. This will be the same for you I should imagine as I have the same clause as the one you have mentioned.

Hope this helps.
Sharon

[debbiw]

Hi SharonR. Are you paying over 50% of your increase?

[debbiw]

Sorry SharonR, does your chairmans report state your 10% overtime clause, cos mine doesn't even though my IP said i had the 10% clause.

[SharonR]

Hi Debbiw

Basically she gave me a figure that I am actually allowed to earn before I pay anything (50%) over to them which is £1349. My basic pay was £1227 its has gone up to about £1270 but the £1349 figure remains the same.

So if I have made sense I am not paying 50% of my increase because it is within the 10% (£1349) I am allowed to earn.

Hope that makes senses.
Sharon X

[ianmillington]

Hi Ladies

What I think you need to try to avoid is the situation where the Supervisor reviews your I&E and then says "last year you should have paid....." and then you are in an arrears situation. To be on the safe side I would put away, if at all possible, 50% of any increase in your take-home pay. On that basis, when you have your reviews you will have at least enough money to meet any demands that the Supervisor may make and have something left over. Yes, I know it won't be easy but it's far, far better than the alternative. In your case Sharon I would ask your IP as to interpretation as "within 14 days" seems totally impractical to me.

Ian

[ianmillington]

Shron

as to your latest post I would agree with your case-workers definition.

[debbiw]

Hi Sharon, does your chairmans report state the 10% overtime clause?
Ian - Thanks, i am putting aside 50% of any overtime worked, should i pay this over month by month though

[SharonR]

Hi Ian

I don't really mind the 14 days as I just give them a ring when I get my pay slip and make a debit card payment over the phone.

As regards an increase in salary I asked payplan and they said exactly what I stated above so surely I will be ok.

Oh no I am a bit worried now..!

Sharon X

[debbiw]

Hi Sharon
Me too, as i was told that i had the 10% allowance for overtime,by my IP on the day of my creditors meeting but i can't find this on my chairmans report.. i spoke to payplan and they never mentioned 10%, they said i had to pay over 50% of any overtime,

[ianmillington]

Hi Debbi

If you don't have the 10% provision then you may actually be better off, as increases in cost of living will be taken into account, not just increases in earnings. I Unless there is a provision to pay in within a certain time of earning it (like Sharons) then it seems that it won't become payable until you have an annual review. Hence the risk of arrears. So if you put away half your increase, you will also effectively be able to keep back half your cost of living increase when you pay it in.

A bit rambling but hope it makes sense.

ian

[ianmillington]

Sharon I don't think you need to worry as the maths stack up with what you have been told.

Ian