Written on: 27/09/2013
After 5 years of struggling to meet monthly payments as a single mum with two dependants who never missed a single payment or made a late payment I am now informed my iva although fully completed will fail due to an undisclosed creditor coming forward after 5 years to alledge i owe them for a mortgage shortfall. Dispite never having ever had a mortgage in my life Payplan informs me that they an to fail my iva for non disclosure for a mortgage Ive never taken out. They have threatened prosecution and possible bankruptcy enforcement even though my iva is fully paid up and I'm innocent. It took 10 months for Payplan to release any details of the mortgage to me as even though I am their client it seems you ate guilty until proven innocent. After considerable pressure and hounding and threats to fail my plan which left me near suicidal at times .I have been pressured by Payplan to instruct solicitors to prove my innocents which although costly as a line parent on benefits and in hand, Payplan insist despite being at the mercy of the alledged creditor to respond to solicitors letters in a suitable timescale to no avail they will fail my iva if not resolved in a matter of weeks. This is absurd. Having provided proof as a council flat tenant of 15 years and never having worked for the company listed in the alledged mortgage application and various other discrepancies Payplan refuse to listen and have offered no support, just obstruction and prejudice. I'm now paying solicitors fees I can't afford in am attempt to prevent my fully paid up plan from failing because of someone's claims. And if I can't prove my innocents through solicitors in days they will push to fail my iva. To which the full amount of the original debt becomes liable Dispite 5 years of payments and I may end up bankrupt. Be careful of Payplan. They have become my worst nightmare.
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