Payplan have given me great advice and therfore peace of mind. However it is sometimes difficult to get through to speak to someone on the phone. I started of with a DMP with them however most of my creditors were still charging intrest and it was going to take many years for me to clear my debts. After speaking with payplan I was advised that an IVA would be best. I am now one year into it and although money is very tight I have no worries about debt collectors or any additional costs.
My adviser and all the others I have dealt with have all been friendly and supportive and I cannot fault them on that. My only niggle is sometimes you can't get through on the phone if something crops up sometimes.
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