Payplan reviews

Payplan reviews

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very helpful

they are really helpful and i feel comfortable talking to them they took the time to listen the only thing is its not leting me on my account online i do everthing rightand saying it has no imformation about me.
Payplan

Reply from Payplan

Hi Gemma,

Thanks for the review.
Sorry to hear you are having problems logging on.
Send me an e-mail (samuel.jepson@payplan.com) and I can reset the password for you.

Thanks again!

Kind regards,

Samuel
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despicable company

My mom and step father took out an iva and unfortunately my step father passed away Nov 2013 my mom asked to be removed off iva in december 2013 and I (her daughter) would deal with creditors directshe was told that was fine and it would all be dealt with within 4 wks but to carry on paying till then as she did we are now in march 2014 and still on the iva . She now needs to sell her house as no mortgage cover and she is 69 and on a pension she is not trying to avoid paying her debts just wants to do it direct and lets face it creditors would get more of her payment direct than through payplan . She has got a buyer and has provided figures from a solicitor to say there is little or no equity and has now been told she has to wait another 28days for her creditors to approve the iva removal.
These people at payplan push for vulnerable people to go on these iva's and then hit them when they are down mom is in poor health following the loss of her partner and is fighting a severe infection and to top it off and kick her while she's down she has all this with payplan.
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stay clear ! very expensive,con artists. UPDATE/RESPONSE TO PAYPLAN

51 months into my I V A , I have now paid £29745.48p in to my I V A , now payplan want me to claim P P I ! of which 40% goes to equity in finance 15% goes to payplan and the rest goes back into my I V A to pay the crooks who conned me in the first place !!!!!!!!!!!!!!!!!!!!!!!!
Also if i dont release equity in my house my plan will be failed by payplan ! , So far from being debt free after the five years , i could end up paying this equity for the term of my mortgage !!!!!! another twenty years !!!!!!! by then ill be nearly seventy !!!!!!!
absolute con artists .
And on my most recent statement from payplan only around £17000 has been paid to my creditors, so it is a long way short of any small fees Samuel !!!!!!!!!!!!!! and the 15% i was lead to believe would be charged , watch out for all the hidden and many fees.
Payplan

Reply from Payplan

Hi Steve,

Sorry to hear of your dissatisfaction with your IVA.
I can only apologise for the changes in your Case Officer's, in certain circumstances it is not something that can be helped, we always try to make this a smooth transition and send you messages to alert you to the changes. Again, I apologise for any inconvenience caused.

Regarding some of the other issues that you have raised; It would appear as some of the terms and proposals of your IVA have not been properly explained or fully communicated to you and I feel it most prudent that we explain these various points to you.

To clarify; there is no free IVA provided by anyone or any company - the work involved by the Insolvency Practitioner/s and the legally binding nature of the arrangement results in smalls fees being built into the IVA. This is standard across the entire industry regardless of whom you choose to set up and run an IVA.

I urge you to please contact me so I can liaise with the personnel dealing with your IVA to provide answers and explanations to your queries and frustrations.
My e-mail address is: samuel.jepson@payplan.com

Kind regards,
Samuel
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Stopped phone calls from creditors but far from perfect

I started a plan in April 2012 for 2 years. On setting up DMP, the constant daily calls from creditors stopped, that was a relief. Once it was set up, it struck me as bizarre that paying via Payplan is not like paying a creditor direct, as the money that you pay (always on time in my case) may not get to creditors for another 1/2 weeks due to 'agreed' payment dates with creditors. I subsequently had one creditor saying that they were not being paid on time, that Payplan were not replying and that they would start applying full interest back etc. I ended up having to act as a tennis ball between creditor and Payplan when it should have been between those parties (I thought it removed stress of dealing with creditors?); I was doing as I agreed! I've paid to date but will I finish after two years? No. The balances do not take into account those that are still applying interest. I don't know when it will finish. The main thing Payplan want to do, it seems to me, is only to get extra value by trying to make money by selling car insurance, payment protection insurance, PPI claims etc. If it is only passing on my money electronically and nothing more, I wonder why I shouldn't do this myself as the creditors would get money as per now, but quicker!
Payplan

Reply from Payplan

Hi Anthony,

Thank you for your review. Please allow me to apologise for any inconvenience that you have experienced. Whilst I cannot guarantee that the interest rates are frozen by your creditors, I can speak to the department involved in running your Debt Management Plan and request they look at the creditor contact you have been receiving. Should you wish me to get involved please send details of your information to: samuel.jepson@payplan.com.

Kind regards,

Samuel
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Frustration

Had my plan for about 5 years although I have managed to get debt free I feel payplan have now got too big to be able to give the service they once did. When I first started there was loads of communication relating to my plan and creditors. Now it is almost impossible to get them to deal in a prompt efficient manner with enquires relating to your plan and creditors. Although you will now get numerous e-mails to tell you about products they want to sell like red potato death insurance. The previous comments regarding late payment to creditors and letters threatening to cancel agreements are all too common now adding to your stress when in fact the very opposite should be happening.

I have been asking for the last 4 months if my plan has been completed and all creditors fully paid leaving me officially debt free with no joy all I get is generic answers " we are reviewing your case" is a common one. It got to the point for my own peace of mind I contacted my creditors myself to pay any outstanding sums owed to end my debt. To this day I still have had no official notice letter e mail to advise me my plan is complete from payplan.
I am not saying you will not get debt free with help form them but from my experience with them recently it will not be the stress free experience it should be. I for one want no further dealings with them and am glad I am debt free even though I had to sort the end of the plan out for myself.

Update now getting text to say I have missed payments and my plan and arrangement is now at risk. ......I rest my case.....
Anthony G found this review useful
Payplan

Reply from Payplan

Hi Phil,

Thank you for your comments. I'm sorry to hear of your frustrations and the lack of communication that you have experienced. If you would allow me to look into your case and details and I can look to provide the answers that you are after.
My e-mail address is: samuel.jepson@payplan.com

Kind regards,
Samuel
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I am in more debt than when I started and feel my situation is a loss!

It all sounded too good to be true, it was! Payments are leaving my account so I'm upholding my end of the deal, creditors are sending me letters/emails and calling as they are not receiving money on time from Payplan! I have to send emails to Payplan around 4-6 times a week, and often don't get replies or get told generic information which doesn't answer my questions.
I have been told by my creditors that after 6 months of being on the plan, that Payplan have not responded to their letters and haven't sent my information out so are withdrawing acceptance of my payments, when I asked the advisor about this, she asked my to call all of my creditors and try and sort it out for her!!! What a joke! I have monthly contact with my creditors as I'm in a state of panic that Payplan are not paying as they should and one of my loans for £500 are whacking interest on to the sum of £2050 as the paperwork still hasn't reached them! Great,
Please don't use this company if you want to keep your sanity.
I'm trying my hardest to find a way out as I'm more in debt than when I started.
Good luck!
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Payplan

Reply from Payplan

Hello Tez,

It it very alarming to read the details within your review and not at all like the standard level of service and care Payplan aim to provide.

Please allow me, on behalf of Payplan, the opportunity to correct any mistakes or errors that may have happened and get this sorted out for you.

I do need some further details from you in order to investigate the problems you have faced. Please e-mail: samuel.jepson@payplan.com

Kind regards,

Samuel
Payplan's Trust Pilot Representative.
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Very Professional staff and organisation

I am very happy with the way my case was delt with, I was with a company prior to dealing with PayPlan, I was very strict with myself and cleared a hug debt in 2yrs just by sticking to it, harsh as it was I managed, and even to this day it has given me budgeting knowledge, good thing also being on the plan did not show on my credit file.

My plan was between August 2010 completed January 2013

I would highly recommend this company, I was recommended by a friend and I have to say when I had a problem on my car they allowed a payment break so I could afford the bill, the staff are very professional and was always happy to help with any queries I brought to them.

Being a free service why not give it a go, the company I used prior to PayPlan was called Gregory Pennington which I would advise against, as they took all my money but never paid a penny to my creditors whereas with payplan I was able to log into my accounts as if I was making the payments plus I logged in as I liked to keep a spreadsheet myself.
Payplan

Reply from Payplan

Hi Karen,

Thank you for your comments and kind words.
So glad that we've helped you along your debt free journey.

Best wishes,

Samuel
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would not recomend thsi company

do not use this company!!!!
i would not recomend them very unorganised lost documents, wrong advise, totally unrealistic plans.

go to another company very aggressive if you fall behind totally unsimpathetic to your changeing circumstances.
Payplan

Reply from Payplan

Hi Karina,

Sorry to hear that you are unhappy with the level of service that you have received, it falls well below what we aim to provide to our clients'. I urge you to contact the last person that you spoke to and raise your concerns and queries, someone will then be able to address this for you.

Kind regards,

Samuel
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Payplan have been the friend I needed to help sort out my debt!

After many years away overseas managing my UK debts had become more and more difficult - especially as I had been out of work for a year. But Payplan were friendly and incredibly helpful throughout the whole process of setting up my Debt Management Plan - and on top of that it doesn't cost me anything! How can you do better than that? You can't, which means Payplan can't be beaten.
Payplan

Reply from Payplan

Hi Hadi Mirmalek-Sani,

Thank you so much for your positive comments.
We happy to see that you are happy with the rate of service and that we could be of help.

Kind regards,
Samuel
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Best thing since sliced bread(special offer loaves obviously)!

It's such a relief to be able to get those debts off your mind and have a decent night's sleep for a change.
Payplan

Reply from Payplan

Hi David,

Thanks for the review - glad to hear we've helped so much.

Kind regards,
Samuel
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Big Relief

I have been with Payplan now for about 4 years and the reason i did it was mounting debt. I wasnt missing any payments on credit cards i just wasnt getting in front at all. I was dubious about contacting a Debt management company as i had read about quite a few rogue ones but contacted Payplan. From day 1 i felt reassured about my problem and the way they deal with you is second to none. Since being with them i have hardly recieved any letters from creditors as they are happy to deal with Payplan. I started with about £25000 debt and now it is half that. They are always there at the end of the phone and email. I am hoping that the way i am going at the moment will stay until i am debt free. Top class service to Payplan.
Payplan

Reply from Payplan

Hi scottjames1uk,

Thank you so much for your positive and warming comments.
We happy to see that your rate our service so highly.

Kind regards,
Samuel
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Helpful,Understanding & Friendly

Once i contacted payplan they took over and started to solve my problems,which
made me feel a lot better as i had the help i needed
Payplan

Reply from Payplan

Hi Tony,

Great to hear your review and kind comments. Thank you.

Kind regards,
Samuel
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PayPlan

It was arranged with the National Debtline to be contacted by PayPlan. Best decision I have made in a long time. Friendly and accessible service with clear contact person, clear advice and action taken on your behalf. The wolves at the door one by one backed off and gave me a much needed breather and stopped the huge anxiety I had over the debt which had been grinding me into the ground for 3 years. I feel I can now make plans with my life which are not necessarily focussed around the black cloud of debt and the weight has been lifted off my shoulders. There is no magic solution to debt and it just has to be chipped at month by month but with the monthly budgeting we organised it has made me realise that I can reach the end of the tunnel. It will take time but I can hold my head up now. Best thing that was said to me at the end of a phone call 'You have not committed a crime. . .' - don't know why, but couldn't stop crying.
Payplan

Reply from Payplan

Hi Clare,

Thank you for such a lovely review, your comments mean a lot us.
We are so glad to hear that we've helped you and that you can make plans for your future.
Good luck with everything!

Kind regards,
Samuel
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Very helpful

So far pay plan have been very helpful and supportive, any queries I have have been dealt with promptly and efficiently. So far (approximately 2 months) I couldn't have asked for a better service.
Payplan

Reply from Payplan

Thanks so much Ben,

Best wishes for the rest of your plan and beyond!

Kind regards,
Samuel
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Empathic , professional friendly staff who listen to what you have to say.

If you are struggling with debt contact Payplan . They really helped us as we were drowning in debt and it was causing us stress and making me ill. From the first phone call onwards I felt a sense of relief like a huge burden had been lifted from my shoulders! They were helpful and although initially it was difficult to sit down and physically write down the extent of our debt problems it paid off as once I had spoken to them I knew there was a glimmer of light at the end of the tunnel.
Just make the phone call and it will help you get through this difficult period in your life.
Payplan

Reply from Payplan

Hello tomharry48,

Your words and review have really touched us, it makes us so happy that we have been able to help you lift the burden from your shoulders.
We wish you every success and best wish for the future!

Kind regards,
Samuel
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honest, practical, nice.

so, recommend your friends
Payplan

Reply from Payplan

Hello beata,

Thank you for your review!

Kind regards,
Samuel
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After Payplan, I didn't mind getting home and reading my mail!

Payplan were a Godsend. Before Payplan took control of our debts I dreaded arriving home to see what mail I had, afterwards this was not an issue, all the letters simply stopped and I felt more at peace. So long as you are completely honest with them they will help you, that's what they do! After arranging a Payment plan which we kept going for 4 - 5 years, when my wife was made redundant and that plan was no longer an option they ultimately they arranged our IVA and we are now, essentially, debt free (other than the obvious mortgage). I cannot say enough about how grateful I am and would not hesitate to recommend them to anybody.
Payplan

Reply from Payplan

Hi Rick,

Thank you for such a touching review and congratulations on becoming debt free. We're happy that we could help you along the way!

Kind regards,
Samuel
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THERE WHEN I NEEDED SOMEONE

I had reached the end of the line financially. My boss recommended payplan and after alot of soul searching I gave them a ring. The staff were so helpful and made the process so easy and relatively painless, I wish I had done it earlier!
Payplan

Reply from Payplan

Hello Bev,

That's great news, well done on taking the the big steps to tackle your debts and thanks for the brilliant review.

Kind regards,
Samuel
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payplan are just great.

they helped so much, i am lost for words.i can sleep easy at night now.
Payplan

Reply from Payplan

Hi Hance,

Glad we could help, thank you for you review.

Regards,
Samuel
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a very professional service,excellent personnel and superb all round

I can't fault the service in anyway. I was struggling with repayments/debt for nearly 2 years before I realized I had no alternative but get support which I never wanted to do but I took the step and the First person I spoke too was incredible,sensitive and really supportive. The rest is history and every person I had contact with was.just as great as the first person. I am so glad I am represented by PayPlan
Payplan

Reply from Payplan

Hi highwood16,

Thank you so much for your kind and heartfelt words.
It means so much to us and we are glad we represent you!

Kind regards,
Samuel

About Payplan

Payplan is a UK based organisation that provide free debt advice.

Payplan is a respected UK provider of Free Debt Management Plans, IVAs (including self-employed IVAs), Trust Deeds, free repossession and mortgage arrears advice. We can also provide advice and instruction on making informal arrangements to creditors.

Payplan offers a full range of debt advice, ranging from bankruptcy, CCJs, bailiff law and rights, house repossession, car repossession and other legal debt advice and debt help issues.

Because of Payplan's impartial and quality debt advice service, employee organisations, unions, National Debtline (NDL), Citizen's Advice Bureaux (CAB) and UK banking institutions all refer clients to Payplan.

Visit Payplan

0800 280 2816

Write to: help@payplan.com
Call us on: 0800 280 2816
We live here: Totemic House, Springfield Business Park
NG31 7FZ Grantham, Lincolnshire
United Kingdom

Category

Payplan is ranked 152 out of 260 in the category Money

Payplan is ranked 26 out of 34 in the category

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