Your initial contract is legally binding and if yours shows you are in the right and they are wrong point out the proof to them and state if THEY do not comply then THEY are the ones in breach. Email your IP direct about it and explain your displeasure. It seems all of the IP's are suddenly trying to get everything they can get out of their clients I have never seen so many posts at once from people having unreasonable demands made of them and all by rude obnoxious administrators who have resorted to bullying tactics.
Hi, payplan can change rules and move goal posts. Maybe not intentionally. In my case I was allowed to lower my payments by a massive 350 pounds plus as our income went down. This was done for a year and without informing creditors until they applied for a variation and it was rejected hence my iva failed as we couldn't pay the back pay to creditors and put the payment to the original amount. So yes they are too lenient as you say at times and it isn't helpful in the long run. Totally know where you are coming from. I thnk maybe its to do with the case officers changing hands so many times and communication errors when handing over? Hope you get it sorted. Like foggy says check your proposals and go over old correspondence. Fight it. Good luck.
I'm with payplan as well, the only time I have ever sent my payslips in is for my annual review along with a P60. The amount I have paid has always remained the same as increases in expenditure have swollowed up any small pay increases. I have also never been asked to supply bank statements or any bills apart from when I first set the iva up. To be honest I have only had dealings with them if I got a letter from a creditor, thats it. They have left me pretty much alone, I realise I have been very lucky with this.
Good luck to those still going through their iva journeys.
Last edited by Janey on Wed Jan 11, 2012 6:26 pm, edited 1 time in total.
My agreement says "You must inform the supervisor at any time that you are in receipt of addtional income. You must com a satisfactory arrangement with the supervisor as to waht increased amount should be paid into the arrangement".
The first small payrise I had a couple of years ago I phoned Payplan straight away and they said it would be ok until my annual review.
I accept that I have to pay more but its just the way it has been done.
I would add that I was very pleased with the way my IVA was set up its just recently that I have had problems.
Country Girl your personal terms do seem to bind you as they have said you have to tell them immediately of any pay increase and it insinuates you would have to pay over some form of increase. As for letting someone pay £350 less for a year without putting it through a variation meeting and then letting them fail as a result of their incompetence and unprofessional dealings is disgusting. If that is what really happened I would seek legal advice against them.
Dave.sr it was really bad and after 3 years into our first iva it filed. Grant thortons were livis we had been allowed to reduce without consultation so refused on one thing and another. Had no fight left at the time with a sick baby and no money for legal advice etc and conceded defeat and went for br. Only to be rejected and go into an iva with dfd. I think all along it was communication between case oficers at hand over that let us down . Payplan have some good reviews so it can't be all bad. My case was maybe a one off. If I could turn the clock back I would fight it. Country girl hope it goes your way.
I have to say that Payplan seem to be going downhill at the moment. Numerous changes of case worker and the goalposts being moved - it's certainly altered since I took out my IVA.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I really feel for you Gina does that mean you had to start afresh and so something that should have lasted 5 years is due to last 8? I really see red when companies get away with treating people like this. If you EVER get treated thus again, weak or not, you owe it to yourself and your child to stand up for whats right take them to court and complain to their licensing body. You can take your IP to court and a judge looks at everything you've paid and examines all the communication from yourself and them and the judge does have the power to order the IP to change their position.
I really hope the day of your debt finally finishing comes really quickly for you hun x
Dave, we did 3 years or 3.5 and were allowed to drop 350 for over a year. We went for br but were told to loof for another iva as my hubby didn't really want it. We lost our house also. Then we found dfd and we have done nearly a year. We got our f and f accepted after a lot of messing by creditors. Before the iva s we were in a dmp for 2 years or more so 6.5 years in total. Had a great case officer this time and as part of her egotiations used what had happened t payplan and how we were punished for what want our fault as the creditors were going to reject the offer eventhough it was only 200 pounds less that the full amount payable over 5 years. I have all the paperwork and correspondence from payplan including paperwork that learly states the iva variation was rejected after 3.5 years due to payments being reduced and creditors wanting all these monies back so I have not thrown the towel in on that one. Still time for complaints when the time is right ....
yes very true well I am glad you finally got a decent case worker to work FOR you. They seem to forget that you're only in debt, you're not a lower person than them and yet they seem to think they can judge you, demand what they like off you and in many cases they're completely wrong just sound confident when they say their lies. I will never trust any creditor again and I don't trust my IP as far as I could throw him after how I've been treated at times during my IVA. I cannot wait to finish my IVA now and move on but my advice to anyone on this forum is to check and double check everything you get in writing, if anythings wrong DON'T sign it. Don't just believe everything you are told on the phone and if you have grave concerns email your IP direct to speak to them and not their staff
Reading the previous posts, it seems that no two people seem to have been given or, indeed, are receiving the same service from Payplan.
This worries me as one of my creditors (LloydsTSb) referred me to Payplan when I asked for help. When I spoke to them, I immediately knew they weren't for me; no idea why, they just seemed impersonal.
Luckily, I found this forum and went with a other company.
I hope Payplan turn things around and start to provide the level of customer service one would expect when paying thousands of pounds for a service.
When we started the IVA then Payplan were great and have been up until now.
Things are certainly starting to change.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Just to be absolutely clear to all parties about IVA supervision.
The IP has very limited discretion with regard to their role - and cannot change goalposts without the agreement of creditors. The only real discretion we have is to reduce payments by up to 15% if our clients are unable to maintain payments at the contractual level. The rules of engagement therefore are set out in the proposal, and that is set in tablets of stone. If in doubt, get your IP to confirm in writing why they feel that they can change the goalposts - and seek professional support if you need to.
I am very happy to review anyones IVA if they wish to send me their documents. It is sad to see this firm getting adverse reviews at present, but do remember that your course of redress is ultimately with the IP personally, and if in doubt insist that they allow you a personal audience to be able to resolve matters amicably.
PayPlan and Grant Thornton seem to get the most negative comments on this site but it's a good idea to get things in perspective. Of the number of people in an IVA, 134,000 I think I read somewhere, compared to the number of posts on this site could just as easily mean that there are many people quite happy with their IVA company but is human nature to report on bad service rather than good.
