I imagine it hasn't gone through to her - she does not ignore emails. Hopefully she will pick up on this.
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
Hi there P - I am sorry that we have not replied to your e-mail, and I will look into the reasons for this tomorrow.
Can I just say, that whilst e-mails from forum members who are in IVAs are welcomed by my firm for general advice - which usually amounts to "you need to discuss this with your own IP", I would never get involved in a complaint against a fellow practitioner.
It is not my place to do so, and I would not expect a client of mine to go to another IP without firstly trying to attempt to resolve the issue with me directly. All reputable IP firms have complaints procedures which should be strictly followed. Nick Payne, one of the Payplan IPs occasionally posts on the forum, and is likely to pick this up, and will want to work with you to resolve the issues. It is possible that this is being dealt with lower down the food chain, and has not been brought to his, nor his fellow IPs, attention.
Thanks Melanie, to be honest I after reading the letter from PayPlan have realised that they know they screwed up and are not interested in trying to resolve this. The amount of times I asked them to help us and have the emails and calls go unanswered is unreal. Looking back on this I can remember how much pressure of sort PayPlan levied so that we didn't go with the other companies and take out an IVA. I wish that i listened to my gut feeling and did what I wanted but I trusted PayPlan and the in my and other opinion failed me miserably.
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
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
One of the reasons I decided on an IVA instead of a DMP was because it would have taken 19 years to pay off the debt and that's if interest etc was frozen. PayPlan pointed this out to me to help with my decision.
With regard to P's post of 01 August 2011 at 20:12:24, that seems to me a classic case of a computer generated response with no human intervention. i.e. your disposable income is less than your original payment so we will advise creditors, but it doesn’t take into account the actual difference of 34p. Daft!
Hi all, sorry I have been away so haven't been able to access the fourm. P if you could please email me, I would very much like to look into your case and see what has gone wrong. I look forward to hearing from you.
Hi, my name is Nick Payne and I am an Insolvency Practitioner with Payplan.
Read the Payplan blogs by visiting our website www.payplan.com
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
Hi I was with Payplan for nearly 5 years, I owed the same amount when I left them as when I started. I left them after receiving a CCJ from one of my creditors after paying the DMP, I had no joy with Payplan to help me sort out the CCJ or anything else, in fact most times I could'nt get through to them at all, just had to keep leaving messages for somebody to ring me back, I would sometimes get a reply phone call 3-4 days later or sometimes not at all. The CCJ was the last straw for me, I had paid every month but the money Payplan was taking off me each month left me so short, I sometimes could'nt afford to put diesel in my car to get to work, hence my payments were reduced all my creditors started jumping up and down threatening letters and enough defaults to paper the bathroom with, and Payplan could'nt have given a flying fig the so I took my business elsewhere and never looked back
Down but not yet beaten !
your past is your present and your present is the future
That really does show the downside of the DMP industry I am afraid. If anyone is thinking of entering into a DMP now, make sure that you are going to use a firm who will strive hard to get interest and charges stopped for you, and will give you regular feedback as to how your creditor balances are diminishing - I would suggest at the very least a quarterly statement of account is essential.
mollymunchkin - File a Complaint with the Financial ombudsman & Office of Fair Trading. PayPlan has a license and they are obbliged under the terms of the license to follow certain rules, in my case they haven't and it also looks like your case as well was fudged up.
OfT
Enquiries and Reporting Centre
Office of Fair Trading
Fleetbank House
2-6 Salisbury Square
London
EC4Y 8JX.
Financial Ombudsman
South Quay Plaza
183 Marsh Wall
London E14 9SR
My understanding is that a DMP - is just an agreement - and creditors are free to seek CCJ /defaults and any other recovery action they wish - so not to sure why making a formal complaint would benefit the orginally poster.
Sound more like a big break down in communication.
