We were with PayPlan (and just like you, we found them via Martin Lewis...well his moneysaving diet book anyway). I really dont like to make any disparaging comments about companies, like PayPlan, who seem to be genuine and honest when dealing with debt problems. I would, however, like to briefly share my experiences of PayPlan to help you make an informed choice.
We realised we were insolvent in Feb time and had been struggling to feed ourselves (family of 5) for months. It came to a point where we had to act and after checking Martin Lewis's book we contacted CCCS and then PayPlan. It soon became apparent that a DMP would take too long and would affect our credit rating for 18 years or so. An IVA appeared the only viable solution and CCCS, at that time, didnt do one. Sooo.....we contacted PayPlan!
To cut a long story short - they're quite a big outfit with many customers and their debt advisors offer good advice but are busy and difficult to contact i.e. they'll contact you rather than you them. This is fine, if they would simply ring/email when they said they would and also give you a contact number if you have any queries. I found that after a month we were still hanging about waiting for calls and stuck in the data gathering phase.[V] We were desperate as March would have been the first month we wouldnt have paid our creditors and issued them with letters. I just couldnt rely on PayPlan for fast personalised care.....and hey if they're not reliable at this stage, who knows what would happen when we were in touch with their IP and our creditors!
Anyway, I stumbled across this website after a bit of surfing and found it an invaluable resource. After spending a couple of hours on this forum, I was in touch with the experts and also other people in my situation and was offered superb non-judgmental advice and many of my questions were answered.
We are now with Melanie Giles and have been offered nothing less than excellent personalised care and are now moving swiftly towards an IVA solution.....we know exactly where we stand, what we need to do and what to expect. So I would definately recommend Melanie or indeed any of the other experts on this forum[^]
Sorry if I've sounded so negative about PayPlan, I'm sure there are many satisfied customers, unfortunately I'm not one of them
I wish you well and whoever you end up with I'm sure you will obtain the support you need.
- 'I wont cry for yesterday 'cause there's an ordinary world somehow I have to find...'