Payplan, I am afraid, have numerous ways of doing things that do not accord with the rest of the industry.
Iva budgeting is difficult and your income and expenditure does need to be accurate - payplan asking you to adjust your expenditure to make things happen really is not a good working practice for you the customer or them as a business - but they tend to have a mind of their own and deviate from the basic of principles of an iva when it suits them ! Hold your ground and push for the 15% reduction.
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