PayPlan

[herbekj]

The problem is Melanie is that you state IPs are very limited in there ability to change the contract of the IVA and can't just change goalposts with creditors/debtors arrangement but with regards to the VAT issue and also PPI they suddenly seem to be doing just that and have the power to demand extra information, delay closure of the IVA etc and expect additional payments to be made.

That's why these companies in particular are getting the most negative comments on the forum as what they are doing is all one sided towards the creditor and is very negative to the debtor who may well have for 1 or 60 months met all their obligations that were agreed by court order in their original IVA proposal.

[kallis3]

My negative comments are nothing to do with PPI or VAT - we are having some problems and Payplan haven't exactly been the most helpful of companies - doesn't help that we have had three supervisors in the last three months and have had to explain our situation three times (and they haven't always got it right first time!)

[herbekj]

PPI and the VAT changes are the current most common complaint hence I identified them specifically with regards to Melanies statement that the ability of IPs to change court order agreed IVA contracts is limited but that seems to only apply in the creditoers favour and not the debtors in some companies eyes, that does not ignore all the other complaints these companies have on the forums.

[kallis3]

There are certain companies who are pursuing the PPI and/or VAT but not all.

To be fair to Payplan, I've not heard too much about them with PPI etc.

My complaints are more specific to my case but I feel better for getting it off my chest!!

[Gina.gu]

I agree with u jan , u know my story with payplan. Nearly gave me a nervous breakdown...melanie you are right ips shouldn't move goalposts etc but in some cases payplan have done that. The constant change of case worker doesn't help. Lots of people may be happy with payplan but don't post as mentioned too so its a mixed bag. No smoke without fire though..payplan need to change

[Foggy]

Herbekj, my pills must be wearing off .... I am in total agreement with you there. Sensible makes a valid point, in that the firms with the larger case loads are getting the negative press at the moment and the numbers complaining, as a percentage, might not actually be that high.

However the scale of the operation should not adversely affect the clients, and the operation should be resourced accordingly ( I know, easier said than done).

Of late though, judging from posts here and elsewhere some firms are bordering on the tactics that some of the bully-boy debt collectors use, which is beginning to tarnish a hitherto good image.

[kallis3]

I agree with Mel however that IP's do have constraints as to moving the goalposts. There is only so much they can do without resorting back to the creditors.

[Janey]

As I stated previously, I am with payplan and whilst I haven't had much contact with them I am perfectly happy with the service I have received. I have been very lucky and whilst it has been a struggle at times I am coming through the otherside with a fresh start and for that I will be eternally grateful to all who have helped me so to that end thank you payplan.

[Foggy]

I have heard numerous accounts, Jan, of where Payplan have commenced an IVA allowing the debtor to keep pay rises, in total, until the review and increased payment afterward ( as per my proposal, and, presumably the Protocol). So the next year the debtor assumes the same will happen and spends the extra, only to be told that Payplan now back date the increased payments to the date of the payrise! So burdening someone already parting with all of their disposable income with arrears they weren't expecting.

Either Payplan weren't operating the terms of the IVA initially, if it had been written so as to require immediate payment of a rise, or they changed the terms incorrectly, mid-term. Either scenario is not good. And, if the former was the case and was a genuine, if lax, mistake, they should 'fess up, apologise and WARN the debtor of the change in advance of dropping arrears on them (and, I am told, threatening failure in one case if the arrears weren't made up within that "IVA year".

I must emphasise that I have no proof of any of the above and am merely repeating what I have been told, but this seems not to be an isolated tale.

[kallis3]

I've had no problems until now but I am having problems at the moment, including having to ask for a payment break to pay for essential boiler repairs plus income being drastically reduced and not being offered a lot of help.

[Gina.gu]

Janey glad u r happy jan I agree with mel too. They should follow procedure and resort back to creditors as otherwise cases can end up like mine ..failed. There are some great uips out ther like mel and dfd to name a couple and like janey some people are happy with payplan. Just doesn't seem like a lot at the moment. Maybe because we don't post until we are unhappy? Even so. Not one person should have to go through the mill , because an ip doesn't follow procedure and invole creditors ..

[kallis3]

Foggy - we had no problems with the payrises and have never had up to now with payments but hubby has now dropped from incapacity benefit to state pension (-£30 a week) and his tax payments on his police pension will increase shortly. This was never taken into account (to be fair, we hadn't considered it either)

We are still sorting out our finances as I speak.

[Gina.gu]

Foggy, it does hapen. It seems to have been going on a while with payplan as it was 12 months ago it happened to us. Pay the arrears and put the amount back to original iva payment after 12 months of a agreed (with payplan not creditors) reduced payment or fail the iva. And it failed as we had no money. It shouldn't happen and no fessing up as you say merely matter of fact, like its your fault.

[Gina.gu]

Jan hope you get it sorted as with everything going up and a new baby in family its the last thing u need.

[kallis3]

We tried to get our last payment added on to the end and were told we couldn't. It's the only time we have missed a payment and we explained the reason why.

I have to try and make this payment up over the next couple of months.