Ok so I have been in contact with Payplan today, and all my questions have been answered and all my fears have gone away (for now!), so I am going to stay with them. They have tried to contact us over the phone, but for some reason they have not reached us, so I guess I was jumping the gun a bit! I ...

Thanks Carole, I just hope that it is not me being silly and needed more help than I should.
Payplan are probably so busy with so many people that they cant get to everyone.
I will post tomorrow with an update to what happens. Thanks for all the support and advice.
Good night for now, Redrose x

I completely agree with ivas4u, the advice on this forum from everyone is great. To just have someone give you a little insight or answer your query, really does help put you at ease.

I sent proof of income, bills and full name (not inc photograph) to Payplan at the same time I sent the forms back to them instructing them to act on my behalf to deal with creditors.

I sent council tax proof but not for id, along with many other things. Kept me busy getting it all together, just hope it was all the right bits.

Oh bless, mine are still little so have all that fun to come. But they do drive you mad at times, but keep you sane others......lol LOVE THEM!

My memory went along time ago, I think having kids have some effect on your brain....

They requested proof of Full name either passport or driving licence, but didnt say they wanted a photograph so I just copied the full paper licence not the card with picture on.

And thanks Jan for your concern re: cheque book but it will only be used to send creditors token payments and for school payments - dinners and trips. I will be very vigilant, I do not intend to get into any more debt again, ever!!!!!

Yes it is still on my mind after reading most of the posts on here, and I am still keen to get a second opinion. I havent had a call from anyone from their IVA team at all, just paperwork sent. The only call I had was to go through our options and what we decided to do, thats when it was explained a...

Thanks Jan, perhaps that is normal procedure for them, will definately call them again tomorrow and chase up some quieries. I know they have scheduled the R3 phone call for Tuesday so I assume after that and if we are happy with proposals it will all start happening. I will definately still think ab...

Right well, I been having talks with OH and looking through what was sent by Payplan the figures are probably right. Although they have increased the original agreed DI by 20pm the split is roughly 70/30 which reflects our earnings, so perhaps I am wrong to dispute them. I just thought I was getting...

I have tried calling a few other companies today but could not get through, perhaps saturday is a busy day due to days off. I will call them again on monday afternoon. I am going to try cleardebt as I see they do both IVA and DMPs, pm both options are there. My sister is with gregory penington are t...

Just a update on proof of gas and electric. I have rung them both today and they both said the same, they dont issue statements or proof of what I have paid. They only thing I can do is to keep receipts each time I charge my keys, so I suppose this will have to do?? Gonna have a chat today with hubb...

Again thanks for advice, I am going to have a serious think about staying with Payplan. I know they are recommended by banks and are a very good company, but I agree with feeling happy with who-ever I go with.