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 hubbie and see how he feels about staying with Payplan. I know he would feel just as bad as me, about all the work Payplan have done so far and then to say actually we want to deal with someone else.
Please don't feel bad about it - remember that you have to be comfortable with the company for 5 years. I had some reservations when I had my IVA but I didn't act on them and it failed.
You do need to make sure you are happy. I am sure Payplan have a lot of clients who never actually make it all the way to a meeting with them.
If you have sent your proposals in, then the next thing will be the creditors meeting, so if you are going to change your company, then I suggest you do it sooner rather than later.
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
You have to ensure that you are happy and comfortable with any firm - it appears you are not - so pick someone else and have a chat or two with one or two who I am sure will make you feel happier. Let us know how you get on.
Regards, David Mond, Insolvency Practitioner for over 46 years. Personal Insolvency Practitioner of the year 2012, Personal Insolvency Practitioner of the year finalist 2013 & 2014 awarded by Insolvency & Rescue Magazine and 2015 finalist for Personal Insolvency Firm of the Year.
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 they recommended?
Is your sister finding them ok? If so, that should be a good recommendation.
Cleardebt do come highly recommended, so give them a ring on Monday.
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
Why don't you have a look through old posts to see what's been said about Gregory Pennington? They are having some bad press at the moment on one thread, but it would be worth seeing what other people have said.
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 more from the conversation I had, therefore allowing me more to eventually do an IVA.
OH thinks that maybe we should stick with Payplan and be a bit more patient with them getting back to us, he knows what I am like.
And I on the other-hand thinks, if I have a queiry or problem I would like some answers, and so far I haven't really be content with the answers I received.
Also a few questions, since reading other posts on the forum;
1. I have opened a new bank with Halifax, they are not connected with any of our creditors. But this is a current account with no o/draft but I do have a cheque book, is this allowed prior to entering either an IVA or DMP???
2. Someone mentioned photographs before IVA, is this a standard procedure as we havent sent any?
3. Neither my husband or myself have had a phone call from the IVA team to talk us through anything just papers sent out, one lot was the information they needed, R3 form and letter to request balances and the other lot is the proposals. Is this standard procedure again of Payplan??
I understand that everyone is different and each companies vary, but anyones help or advice is appreciated.
Redrose x
I think the photographs thing was wrongly written - in a previous post it was down as paragraphs!
You certainly don't need to send any photographs in!
You should have no problems with the cheque book - just remember to keep an eye on your finances so you don't go overdrawn by writing a cheque.
I am with Payplan. We had the pack come, we filled the forms in and sent them back. I can't remember exactly when the proposal came out. We then had a call to make sure that we knew what we were doing and it was shortly after that we had our meeting.
I would phone them tomorrow to chase up what is going on, and if you are not happy, then give another company a call.
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
A lot the things you are reporting actually make me shudder - the fact that you have not spoken to your IP or a senior colleague, the fact that you have not been asked for photographic ID, and the fact that at a very early stage you are doubting the methods used to put your proposal towards creditors.
I don't want to be seen to be scoring points against another IP firm, but I do recommend that you try another company even if just to compare the advice and service levels. Many people have only good things to say about the firm you have chosen - but at the end of the day it is five years of your life to live through and you must be sure you are doing the right thing.
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 about a second opinion if I do not get the answers I need.
Thanks again.
Do you know - I can't remember sending any photographs off at all.
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
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 about OH entering IVA and me a DMP. And also thats when they said about my DMP being held back until OH IVA is started, this was because if OH IVA fails then we can do a DMP together.
Anyway I am sure I am starting to repeat myself now, or perhaps I am just going slightly mad. The constant reading and researching has taken over!!!
Having checked our paperwork, it would appear that we had to send proof of our name, which could be either our passports or driving licences.
Don't worry about repeating yourself - you need to make sure you have it all sorted before committing yourself.
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
