Payplan Reviews - www.payplan.com

★★★★☆
4.3 / 5
513
86.6% of users recommend this
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Latest Reviews

★☆☆☆☆

“very unhappy. ”

Written on: 05/12/2016 by FlisJane24 (1 review written)

2nd review I have left for this company and since my first review, nothing has changed. I am still passed from pillar to past with case officers - I've lost count now as to how many I have had. When I call, they are never available so I speak to someone else. Still get emails asking for my p60's - I have now sent these 4 times. If I could change IVA providers I would, and I would also move my brother's as well, as I am the main contact for his. Today, I have found out that my case officer has… Read Full Review

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★☆☆☆☆

“Terrible company don't go with them”

Written on: 17/11/2016

Do not go with this company they are terrible they bring you in with all the soft music and promises but they are just liars. I completed my iva 2 years ago with which the last 12 months were unbearable with payments that were almost impossible and stress of valuations and ppi. 2 years later I find my self stressed again with them wanting more money from a ppi claim on my mortgage I have just made that they want even though I completed 2 years ago all this company is bothered about is ripping… Read Full Review

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★☆☆☆☆

“Pay plan !!!!!”

Written on: 02/11/2016 by Sparks359 (1 review written)

Finally complete after six years off what can only be described as hell! Had a change of case officer every six months, had to double check calculations as on a few occasions the requested additional funds incorrectly! NY husband was made redundant during our IVA which was paid into IVA as classed as surplus, tho the following couple of months we still had to continue to pay with a massive drop off income, if he received a bonus this again was classed as surplus which stopped tax credit and we… Read Full Review

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★★★☆☆

“Depends on your link person on pay plan ”

Written on: 10/09/2016 by blO'Neal29 (1 review written)

It was a very stressful time setting it all up and making the decision to Sort out things...pay plan were helpful in this phase. Things became more difficult at the time of review each year.... Pay plan and any other IVA agency I guess really have you over a barrel, my income dropped but payments increased. I really felt I couldn't make an issue of this as options were default bad therefore bankruptcy or adding extra years onto the arrangement. Neither of these were any good! Right at the… Read Full Review

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★☆☆☆☆

“Rip off Payplan”

Written on: 10/05/2016 by NMC574 (1 review written)

I have been in an IVA with pay plan for 2 years I have paid the over £2,500 and the have paid £12.00 to my creditors I still owe £4,500 when I could have paid this off my debt . I still have 3.5 years left and the have told me they need further fees. Steer clear go to the C.A.B… Read Full Review

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★★☆☆☆

“demanding”

Written on: 10/04/2016 by Cameron10 (1 review written)

I have been with Payplan almost 3 years. It was going well until last year. I sent my documents for the annual review, they said had not received this information and wrongly recorded this in a Summary. I also had 6k of ppi paid into the Iva, they said in the summary I hadn't paid enough into the plan. I am already 6k in front. Despite having been on maternity leave and now having an extra mouth to feed, they are still demanding more money. I also earn less due to a reduction in hours. The… Read Full Review

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★★★★★

“Fantastic”

Written on: 01/04/2016 by ciCollins127 (1 review written)

I have been in a DMP with Payplan for approx 5 years. This year is my final year and i will then be debt free. I have had no contact from my creditors since starting my DMP. This was the best decision and i would advise anyone struggling to contact Payplan :)… Read Full Review

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★★★★★

“LIFE CHANGING DECISION”

Written on: 21/03/2016 by yvCrowley94 (1 review written)

I had run up unsecured debts of nearly £80,000 over a seven year period an then I lost my job. Even before redundancy I was struggling every month with massive credit card interest, added late interest and endless phone calls. I managed to get another job within a couple of months but now realised that I couldnt carry on. Went to Citizens advice intially and they were quite dismissive, so called Payplan after seeing some information on line and never looked back. They work out your available… Read Full Review

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★☆☆☆☆

“why use any of them?”

Written on: 11/02/2016 by eddy100 (1 review written)

I have read through a lot of these reviews concerning debt management company's and in particular this pay plan outfit. I feel empathy for all of you people who are trapped in this debt cycle, that is why if the moderator allows this post through, I am going to give you all some advice. Firstly you must lose the fear. Debt management company's, all of them are not there for your benefit, even though they intimate that they are. If anything they are there to maintain the illusion that you have… Read Full Review

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★★☆☆☆

“Increased paymen demands”

Written on: 22/01/2016 by 1948Jones (1 review written)

I've been with Payplan for 17 months and it all started fairly well but is going down hill quick. . Ive had a rough time like most, my mum passing away, having to find a new housing association home, coming out as gay, sister having a spinal stroke and unable to walk, payday loan debt, other loan debt and wanted a fresh start for my self so took up the courage to join Payplan. I've had 2 case officers and although I appreciate there not there to be your mate or agony aunt, I get the feeling… Read Full Review

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★☆☆☆☆

“steer clear?!!”

Written on: 06/11/2015 by TaliaCoyle71 (1 review written)

I am 2 years in to an IVA with Payplan and after 2 years my debt is 4 times what it was when I entered the agreement with Payplan 2 years ago. Why? I can't get a straight answer on that - like many others who's reviews I have read I have had numerous case officers - people seem to come and go so quickly they never become familiar with your case and as a result you get bad advise and inacutrate information. I would strongly advise anyone thinking of entering into an agreement with Payplan to… Read Full Review

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★☆☆☆☆

“stop contacting me when I am ill”

Written on: 12/10/2015 by KeyonSparks318 (1 review written)

fedup with payplan contacting me when I am ill… Read Full Review

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★☆☆☆☆

“Great to start with, but downhill after that”

Written on: 04/10/2015 by 264Koch (1 review written)

I am with Payplan. The only time they contact me is when they want something and when I last left a review, was advised to contact them, which I did. The mail box was full -of complainants I shouldn't wonder. Little assistance and I now only have three and a bit payments left, contact about is is like trying to find hens' teeth! I rather think they are well established now and don't care; a bit like BT and they're pants too!… Read Full Review

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★☆☆☆☆

“Use at your peril ”

Written on: 04/09/2015 by Mermaid52 (1 review written)

Payplan were recommended to me by two separate friends, as I was paying another firm a fee to manage my debts for me an pay my creditors. To start with the service was up to standard, now a year on, it is gong from bad to worse, I noticed a change about 4 months ago, I had not missed any payments, but they are now hounding me for more money when it's is not there to give, they act worse than the people I owe money to. I shall be changing back to the company I paid a management fee to, better… Read Full Review

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★☆☆☆☆

“Not happy.”

Written on: 13/05/2015

I took my IVA out in May 2013, like a lot of people, it took me a long time to get the courage to call someone and ask for help. At first, PayPlan were fabulous, and everything was clearly laid out. However, I'm now on my 5th/6th (I think) case manager, and I'm really disillusioned with them - especially since having my annual statement sent through. Payments to creditors seem really low for the amount I have paid overall, whereas PayPlan's dividends seem a lot higher than I thought they… Read Full Review

Smythe1's Comment

Written on: 05/01/2016

I too have had this same experience. I am confused as to who my case officer is. I also recently had a letter stating that I had to pay extra money into my plan, despite me having been on maternity leave for almost 12 months. I have given them my new expenditure on more than one occasion and have left messages which have not been answered on the Payplan website. I have received PPA money which has been paid into my plan. When they did a review of my payments this year, I too was disappointed to see how much had been paid to my creditors. They also stated that not as much money as been paid in as should have been. I can't work this out, given the fact that I received over 6k in PPA money. I think it's a little misleading and wish that I had gone down the bankruptcy route.

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★★★★★

“Absolutely Fantastic I would recommend payplan!!!!”

Written on: 29/03/2015 by McFarland352 (1 review written)

I never write reviews about anything but I feel I have to because payplan has give me a a new start and I am so greatful to them.I have just finished my DMP after 5 years and I am now debt free thanks to payplan,5 years ago I got myself into about £5000 worth of debt,I started with a credit card then a couple of store cards,payday loans etc,I was paying £400 a month wich was just paying the interest on some of them,my bank gave me payplans number and said for me to ring them and that they… Read Full Review

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★★★☆☆

“PPI Claim”

Written on: 26/10/2014

I was in an IVA with Payplan over 2 years ago, I have been awarded PPI from CitiFinancial but have been told that Payplan will get this money minus the interest which I find totally unfair as two of the loans were before my IVA. It has been agreed I am entitled to the interest, considering this has gone on since May as I applied for the PPI myself Payplan have now received the cheque and waiting to clear into my arrangement yet when I ask they cannot give me a timescale when I will receive the… Read Full Review

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★☆☆☆☆

“Terrible”

Written on: 09/10/2014 by Madysone112 (1 review written)

I would not recommend this company, this is just my honest opinion. I contacted this company about 2 months ago. My situation was this, I was already on a dmp with stepchange but I was struggling and stupidly took out more payday loans, I was worried to tell stepchange as it broke the terms of my dmp so applied to payplan. They made everything all sound great and that everything would be sorted, I sent in all the info about me and my debts they asked for but heard nothing back, I kept having to… Read Full Review

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★★☆☆☆

“Can't get a straight answer”

Written on: 03/09/2014 by EliasDickson238 (1 review written)

When I first joined Payplan I thought great all the pressure had stopped. I became able to offer a full and final settlement, that is when things went wrong. It was as if they had switched off and didn't care anymore. They wouldn't or couldn't answer any of my questions. I wanted a rough time scale but they wouldn't give an answer. All I got was process and as long as it takes. When I phone to find out where we were at things had stopped due to holidays or illness. There was no consideration as… Read Full Review

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★★☆☆☆

“Can't get a straight answer”

Written on: 01/09/2014 by EliasDickson238 (1 review written)

When I first joined Payplan I thought great all the pressure had stopped. I became able to offer a full and final settlement, that is when things went wrong. It was as if they had switched off and didn't care anymore. They wouldn't or couldn't answer any of my questions. I wanted a rough time scale but they wouldn't give an answer. All I got was process and as long as it takes. When I phone to find out where we were at things had stopped due to holidays or illness. There was no consideration as… Read Full Review

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