Payplan www.payplan.com Reviews
Latest Reviews
★★★☆☆
“IVA failure advice due to poor communication- WHY????”
Written on: 07/06/2013
I have had an IVA with Payplan since 2009.I have NEVER FAILED to make monthly payments and I have been pleased with their services until towards the year 2012. During my annual review in November 2012, I was advised to provide receipts to evidence an increased expenditure, which I did for the receipts that I had.As I did not have the receipts for grocery shopping for the year I was unable to evidence how much I spent on food shopping. I explained this to my supervisor and clearly advised... (read more)
★★☆☆☆
“Terrible service to creditors”
Written on: 13/05/2013
We have been waiting for our case to be reviewed some 18 months now in fact almost two years and received a letter stating that we would now become a creditor which cost the person owing us money yet another English Pounds 500 for the review! We have now waited a whole year and of course there have been numerous changes in supervisors, people who promise to phone back do not, people you have spoken to have disappeared and all the time the clock is ticking by and we have yet to receive any... (read more)
Payplansamuel's Comment
Written on: 14/05/2013
I am sorry to hear of your dissatisfaction and the problems that you have encountered thus far.
If you contact me directly I will ensure these issues are addressed by the relevant manager.
Regards,
Samuel Jepson
Payplan's Review Centre representative.
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★★★☆☆
“14 day letter”
Written on: 08/05/2013 by jackiehad (1 review written)
I have received a 14 day letter that because we have arrears on IVA that the IVA will fail very upset and not happy 2009 IVA started then May 2010 husband had heart attack so had problems paying until returned to work about 6 months then July 2011 husband lost job and was out of work for 5 months so already not had a good few years. Then April 2013 husband been give 45 days notice so might be made redundant I have always told payplan and over the past 6 months fell behind with payments but... (read more)
Payplansamuel's Response to jackiehad's Review
Written on: 08/05/2013
Hello,
I am sorry to hear of your dissatisfaction and of your recent turn of events.
I would ask that you contact me directly with your details and I can then pass them on to the relevant department to fully assess the options available to you and your IVA.
My e-mail address is: samuel.jepson@payplan.com.
Kind regards,
Samuel
Payplan’s Review Centre representative
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★★★★★
“Exellent Service”
Written on: 01/05/2013 by andys3012 (1 review written)
Been on an IVA for two years, only on my 2nd case officer. Change 2 months ago. Did loose paperwork at first, but everything seems to be running smoothly. Great company. the only down side is having to give half of my works annual bonus each year. (read more)
★★★★★
“Almost there and they have changed our lives forever!”
Written on: 27/04/2013
Back in 2008 myself and my husband did not know what to do or where to turn for help. We initially visited the CAB and after much consideration we then contacted Payplan for some help and advice. I recall the process was explained to us very clearly and they took everything from us and dealt with our problems from day one. After being recommended to enter into an IVA this is exactly what we did and since 2008 they have done nothing but support us and understand. We are now nearing... (read more)
Payplansamuel's Comment
Written on: 29/04/2013
Hi
Thanks for taking the time to leave such heartfelt feedback. It's great to see that we have been able to help and support you throughout the course of your IVAs.
I will ensure I pass the praise back to the IVA team.
Hope all goes well for you in the future.
Kind regards,
Samuel
Payplan's Review Centre representative
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★☆☆☆☆
“Destructive, sarcastic, demonstrative, incompetent ”
Written on: 30/03/2013 by Vandaorchid (1 review written)
I can't begin to imagine how your company has got away with what you do for so long. I'm seven months away from completing my IVA with Payplan. It's unfortunate that since 2008 when I started my IVA that I have had ten different case officers. One of whom sent me her resignation letter, another sent me one of her clients bank details, name and address. My current officer can only be described as barely literate. When I questioned what she meant in two of her letters she said to me " my... (read more)
Payplansamuel's Response to Vandaorchid's Review
Written on: 05/04/2013
Dear Vandaorchid,
I have just taken over as the Payplan representative for this site and I am really sorry to hear about the service you have received from us. It falls way below what we expect from our staff and we would like a chance to put things right for you.
If you contact me directly I will pass your details to one of our senior managers who will review what has happened and ensure your IVA runs smoothly from now on.
My direct email address is: samuel.jepson@payplan.com
Many thanks
Samuel
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★☆☆☆☆
“FANTASTIC SERVICE”
Written on: 29/03/2013
Payplansolutions changed my life for the better. Thank you payplansolutions staff. (read more)
Vandaorchid's Comment
Written on: 08/04/2013
Why are the positive reviews always written by ' guests ' ?
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★☆☆☆☆
“Poor debt advice ”
Written on: 13/03/2013
We contacted Payplan for debt advice intending to do a DMP stupidly thinking they were non profit. They were extremely nice but suddenly was being SOLD an IVA. Their advice led me to believe it was all singing and all dancing solution however was made aware that we may have to remortgage or pay 6 years, but seemed the best solution - as bankruptcy would mean our employers would be told and it would be in the local press, slight lies there I have since been informed. They worked out our... (read more)
★☆☆☆☆
“Incompetents are Us!”
Written on: 01/03/2013
I was directed to Payplan by the CAB after being made homeless and falling behind on loan repayments & owing £17,000. At first I was placed on a DMP paying £100 per month, but then my creditors took me to court in order to turn the screw, further increasing my debt to £21,000 (after paying £100 a month for nearly 4 years I owed £4,000 MORE than I had originally). Payplans advice was contradictory and sometimes seemed downright evasive - unwilling to give answwers that made sense and... (read more)
Gemma-Payplan's Comment
Written on: 01/03/2013
Hi,
Thank you for taking the time to leave your feedback on the service you have received from Payplan.
We assess each of our clients on an individual basis and at the time you contacted us a DMP would have been the most appropriate route out of debt, other than bankruptcy. Unfortunately a DMP does not stop creditors from seeking legal action against you if they are unhappy with the repayment plan.
Our intention is to make sure you are on a sustainable and affordable plan. It is never our intention to increase your payments without consent. If you are unhappy with your repayment amount then you need to speak to your case officer who can look into this in more detail.
A change of case officer should never affect a client’s plan, if you have any concerns then please notify us as soon as possible, especially if you believe your documents are going missing.
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Vandaorchid's Comment
Written on: 30/03/2013
This is exactly what happened to me. I've had ten case officers in 4 years and 5 months. The last time I sent my payslips and bank statements they told me they'd not received them. I'd sent them with parcelforce using the next day signed for service. I sent them a screen shot of the signers name, signature which was dated and timed. They seem to be convinced that people are earning more than what they say they are. You can't forge or fake bank statements. You can't forge of fake payslips. But the best of all, you cannot deny receiving what I've sent when I've got proof it was received. I couldn't agree with you more when it comes to their abrupt messages and snappy comments.
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★☆☆☆☆
“Did the bare minimum, then ignored me”
Written on: 22/02/2013
I contacted payplan having been recommended by a friend, and having seen some excellent reviews on here. I contacted them in September 2012 with a list of my creditors. Their 'help' was to email me some template letters I could get from any website and essentially tell me to sort it out myself. Oh, but they did take the opportunity to try to sell me their PPI claim service. They were only too happy to work on my behalf if there was the chance of a commission. The woman I spoke to gave me... (read more)
Gemma-Payplan's Comment
Written on: 25/02/2013
Hi
Thank you for taking the time for provide some feedback on the service you have received from Payplan.
Unfortunately sometimes people call us and for whatever reason it is unsuitable for them to enter into a plan with us; this could be down to a low surplus or a low level of debt. When this happens we provide them with a Self Help Pack, which we did in your case. This is designed to help you set up your own arrangement with your creditors to repay your debts.
You should have been given a reference number and access to our Special Advice Team who can offer assistance to you at any point. I am very sorry that your attempt to contact us failed.
Many Thanks
Gemma from Payplan
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Showing 1 - 10 of 483 Reviews
★★☆☆☆
“Could be much better.”
Written on: 22/02/2013
First telephone call went well. I was told they could help, contact my creditors, help reduce/freeze interest payments. The set up paper work was very easy to complete. (However I ended up calling all of them myself over the following weeks as they did not hear from anybody at Pay Plan & thought I had no intention of paying) Second telephone call they started trying to sell me many products that I did not want or require.Many calls from them later, I ended up agreeing to pay £5 a month... (read more)
Gemma-Payplan's Comment
Written on: 25/02/2013
Hi
Thank you for taking the time to provide some feedback about the service that you have received from Payplan.
At the start of your plan we contact all of your creditors to inform them of the plan that you have set up and that in future all payments will come from Payplan. However in some cases this information can take a while to filter down, which can mean that some creditors take a little while to note on the changes in their system and they will continue to send out reminders and other letters requesting payment. This is out of Payplan’s control and if this happens to you we always recommend that you send copies of these letters into your case officer so that we can contact your creditors for you.
We have an agreement in place with the majority of creditors, especially those that receive a large volume of payments from us, to pay them on a specific day of the month. This again is out of our control as these instructions come directly from the creditors.
At the beginning of your plan we would have given you an estimated timescales, which in your case was two and a half years, unfortunately we cannot guarantee that any interest and charges will be frozen and this could therefore extend the length of time it will take to repay your debts.
Many Thanks
Gemma from Payplan
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★☆☆☆☆
“Look Elsewhere”
Written on: 13/02/2013 by peter_123 (1 review written)
I too have a DMP with PayPlan and am less than satisfied. I have been with them for 3 years on what was a 4 year plan. This has now got an estimate of 5 years not including the interest i am still accruing on the various credit cards. PayPlan do say they cannot guarantee interest rates are frozen and certainly in my case not one has. They consistently make late payments on my behalf which always results in a £12 missed payment penalty at least. They do not seem too bothered about anything... (read more)
Gemma-Payplan's Response to peter_123's Review
Written on: 18/02/2013
Hi Peter,
Thank you for taking the time to leave feedback about the service you have received from Payplan. As you mentioned we cannot guarantee that any interest and charges will be frozen with a Debt Management Plan.
With regard to payment to your creditors, we have agreements with the major lenders who give us specific instructions on how they want us to make the payments to them. Some choose once a week on a specific day and other choose once a month on a specific date. We therefore do not have any control over any late payments fees that they may charge you, are we are simply following the instructions on the lender.
If you are concerned about ongoing charges, then you can either speak to your case officer or speak to the lender directly.
Many Thanks
Gemma from Payplan
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★★★★★
★★★★★
“The best DMP company ever”
Written on: 22/01/2013 by Kazndeyno (1 review written)
In 2009 I found myself struggling with debt and I initially started a DMP with a different company called Gregory Pennington which was a big mistake, however a friend/colleague recommended Payplan to me as they offer a free service, so I approached them in 2010 and I am so glad I did they took me through every step I maintained my payments and when something happened to my car making me fork out unexpected costs I explained to Payplan and they said not a problem to just make a token payment... (read more)
★★★★☆
“Helped me pay off all my debts!”
Written on: 13/12/2012
I found Payplan online, they are completely free to use and all the money I paid in went to the people I owed money to. They were a little slow at replying to me on a few occasions but I understand that they have other people to help too! It has been a long journey but I am now debt free with Payplans help! (read more)
★☆☆☆☆
“Be wary of Payplan's advice!”
Written on: 26/11/2012
I was advised to contact Payplan by the staff welfare team of my employers. For my situation, which was owing over £50,000 following a house repossession and disastrous auction result, and having minimal assets accumulated since, bankruptcy was by far the best option. However Payplan seemed determind to get me to take up an I V A, which would have lasted much longer than the 3 year bankruptcy Income Payment Arrangement and with no certainty of finishing in 5 years, judging by other... (read more)
Gemma-Payplan's Comment
Written on: 28/11/2012
Hello,
Thank you for taking the time to leave feedback about the service that you have received from Payplan. While we appreciate your comments, it is never our intention to make a client feel that are being pushed into a plan that is not suitable for them. Our job is to present the available solutions to our clients and let them decide the route in which they feel are the suitable for them and that they would like to pursue and we are sorry that you felt we did not do this for you.
Unfortunately we cannot assist clients with bankruptcy proceedings, we assist clients into plans such as a Debt Management Plan or in your case an Individual Voluntary Arrangement. An IVA is a legally binding agreement between you and your creditors, in an IVA you will repay a percentage of your debt over a fixed period of time, which is usually five years. After this time and upon successful completion of the IVA, the remainder of your debt is written off.
If you have any further questions, then please do not hesitate to contact us.
Many Thanks
Gemma from Payplan
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Curleywurley's Comment
Written on: 30/11/2012
Well said I don't have any debt Problems but hav a friend wh does, she has contacted pay plan who have put her mind at great ease, Thay give free advice Thay don't force people into arrangements , Im sure without them their would be people taking longer to pay off debts , to companies who charge...
keep up the Good Work.
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Georgieboys's Comment
Written on: 06/12/2012
i wasn't impressed with their advice either-two faced when you don't proceed
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Gemma-Payplan's Comment
Written on: 12/12/2012
Hi Georgieboy,
I am very sorry to read that you think we were 'two-faced' when you decided not to proceed with us. I can assure you that it would never be our intention to appear this way to our clients and I can only apologise for making you feel this way.
If is our aim to help people who are in debt, get out of it. For those, like yourself, that decide our service is no longer needed, we only want to wish them luck in the future and hope that they reach their debt free goal.
Many Thanks
Gemma
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Clivemcdougal's Comment
Written on: 13/02/2013
I totally agree!!!!! Payplan r a glorified collection company!!! they make money off the people u owe money too!
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★☆☆☆☆
“End of IVA .........Never ending!!”
Written on: 31/10/2012
Think carefully before you sign up for this because it does not end 3 months after your final payment. It could take up to a year for them to complete the paper work and everything else. You could be trapped in it for a year after your final payment. They dont have your best interest at heart. Please be careful. (read more)
Gemma-Payplan's Comment
Written on: 06/12/2012
Hi,
thank you for taking the time to leave a review of Payplan. While I understand your frustration about the ending of your IVA the current problem with issuing completion certificates is completely out of our hands.
It was decided that VAT shouldn't be charges on nominee and supervisor fees and therefore before we were required to wait for HMRC to issue a refund to us so that we could forward that onto your creditors.
We have recently held a variation meeting that will allow us to issue completion certificates without waiting for the refunds to be issued.
Many Thanks
Gemma
Payplan
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Georgieboys's Comment
Written on: 06/12/2012
you're bang right
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★★★★★
“Help and advice from start to finish!”
Written on: 15/10/2012 by RaNe7 (1 review written)
I initially got in touch with Payplan at the start of 2011 when I had a number of creditors and debts of over £16k. They have very helpful and understanding throughout my Debt Management plan, and 15 months later I am now totally debt free! Making my final payment to them last month. There is a helpful personalised website where you can log in and check the status and balance of your creditors, and they handle all calls and letters which really takes the pressure off. The service is... (read more)
Sallysallysally's Response to RaNe7's Review
Written on: 07/02/2013
Hi I am just about to sign up with payplan, and having read plenty of negative comments, I was just about to give up on the idea of payplan. Having read your comments tho, I am reassured that they will be able to help me out of a very sticky situation from which I can currently see no escape. Can you tell me whether you had to change your bank account, and if you did who did you find to be a good bank as a replacement. I think I will have to change my bank as my overdraft and my loan which is now one month in arrears are both with my bank, so I assume they will shut my accounts down, that is stop me from using it until the debt matter is resolved>> thanks for your advice sally
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★☆☆☆☆
“DO NOT GO WITH PAYPLAN”
Written on: 09/10/2012 by Stuart73
I WOULD URGE ANYONE READING THIS TO THINK TWICE BEFORE GOING WITH PAYPLAN...IF MY EXPERIENCE IS ANYTHING TO GO BY, YOU WILL BE IN DEBT FOR A LOT LONGER THAN THEY TELL YOU YOUR'RE GOING TO BE. Five and a half years ago I was literally drowning in debt and could barely keep my head above water. I approached Payplan (on advice from the Citizens Advice Bureau) in order to pay back my debts as quickly as possible and agreed a repayment plan of just over 5 years. I was told (on many occasions)... (read more)
Otoole924's Response to Stuart73's Review
Written on: 12/10/2012
was this an IVA plan or a debt management plan .Could you please respond Thanks
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Gemma-Payplan's Response to Stuart73's Review
Written on: 06/12/2012
Hi Stuart,
Thank you for taking the time to review Payplan and providing feedback. I completely understand your frustration at finding out that your debt wasn't paid back when you thought it would be.
We try extremely hard to get all interest and charges frozen on your accounts, however it is up to the creditor whether they do this or not and is therefore completely out of our hands. We try to make all of our clients aware of this as well as letting them all know that the 'debt free date' is only an estimation as it is based on the original figures that are provided.
Like you mention, we do receive a donation from some creditors, however these donations are completely separate from the payments that clients make to us, it is all explained here > http://www.payplan.com/how-are-we-funded.php
Many Thanks
Gemma
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★★★★★
“PEACE OF MIND”
Written on: 02/10/2012
Through a mixture of circumstances I found myself in debt. I tried to deal with it alone, getting nowhere while trying to live on nothing. It reached a point where I had to swallow my pride and ask for help. The constant worry was weighing me down and it was affecting my health. I'm so glad I did and took that step. Everyone I spoke to was lovely, calm and re-assuring. They made me feel human again and for the first time I saw light at the end of the tunnel. I have recommended Payplan to... (read more)
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Showing 11 - 20 of 483 Reviews
★★★★☆
“Use PayPaln if you are in debt”
Written on: 19/09/2012
In 2006 I had amassed £75k on credit cards and a bank loan. I am still amazed at my stupidity with money. I was using all my salary to pay OFF THE MINIMUM ON THE CREDIT CARDS AND THEN LIVED ON THEM FOR THE NEXT MONTH....I obviously couldn't keep this up. I found payplan on the internet and they have been really good. I have had the DMP for nearly 6 years - it's been really hard living on a small budget - but I have to remind myself that I am at least paying off the debt. Give them a go -... (read more)
★☆☆☆☆
“Please do not approach pay plan under any circumstances!!!”
Written on: 04/09/2012
From the start of my journey with pay plan it was a disaster! My finical assessment was wrong twice which resulted in me being presented with debt management options that were not available. Then further to this I was advised to default on my payments to my creditors, having never done so before, and was told they would contact my creditors on my behalf. They did so after but I had to chase them for several week! By which time I had occurred unnecessary interest and charges on my accounts.... (read more)
Martinpeterson's Comment
Written on: 08/10/2012
Have heard very similar comments from a lot of friends... Sounds like they know how to sell their services, but leaving many people with even more debts. Using the word 'estimate' gets them off the hook legalle. Hopefully Watchdog will make sure people no longer get fooled by their misleading advertising.
Thanks for the advice - I'll avoid this company .
(PS - Bet they remove your review, so keep checking it and put it in different places - they're doing the usual media trick of making sure good comments saturate the internet to dilute and hid the truth)
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★☆☆☆☆
“End of term but still a further £2000 on the plan....”
Written on: 02/09/2012
I have been with payplan for 6 yrs on a DMP which should have finished in August 2012. However because of interest added onto the account i still owe a further £2000. It is all over the website now that interest MAY not be frozen but 6 yrs ago i had nothing in writing informing me to keep in touch with my creditors as payplan DO NOT know whether interest is being applied to the account, i thought Payplan as third party would be informed !! I was then told the terms team would call the... (read more)
Gemma-Payplan's Comment
Written on: 06/12/2012
Hi
Thank you for taking the time to review Payplan and for your feedback. I am sorry to read that you felt let down by the service that you received at Payplan.
As you say, interest may be frozen, and unfortunately creditors do not keep us informed of whether this has been done or not as we do not receive any statements.
Many Thanks
Gemma
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Nettyfoxy's Comment
Written on: 07/12/2012
I understand that now, i think it should have been communicated a little better than it was six years ago then i would have been aware.
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★★★★★
“Excellent Service!! Weight Lifted”
Written on: 20/07/2012 by kelz0001 (1 review written)
Before i found Payplan i was working 2 jobs to 'try' to pay off my debts often living on just £10 a week as all spare cash was going to pay my debts which i accumulated from a failed relationship.... Payplan set my mind at ease & dealt with the creditors on my behalf... I often spent time alone crying due to the worry. I am coming to the end of my plan & I cannot thank the team enough!!! I def recommend Payplan to anyone struggling with debts, don't be ashamed if you are in debt!!... (read more)
★★★★★
“excellent service at a difficult time”
Written on: 11/06/2012 by gellyminx (0 reviews written)
I am about half way through my debt management plan with paypal plus and have dealt with them since 2006. They have always been very helpful, professional and kind towards me and it is so nice to feel like I have a secure system in place for repaying my debt in a fair manner. I find it very embarrassing talking about my debt but I was never once made to feel uncomfortable by any of their staff. Once your plan is in place and you keep up repayments then you are left alone other than the... (read more)
★★★★★
“Payplan IVA - A Life Saver!”
Written on: 06/06/2012
Absolutely 100% recommended. I've been struggling for 15 years to keep up the minimum payments on credit cards that my ex husband maxed out for me. Due to my own foolish pride I couldn't face asking for help so struggled to the point where I didn't know which way to turn. Interest rates sky rocketed to a point where my minimum payments exceeded my income (By Jan 2012 I owed £32,000!) - so ashamed I couldn't tell a soul. What to do? Browsing online I was looking for free help & advice so... (read more)
★★★★★
“Easy from start to finish!”
Written on: 29/05/2012 by bacon sandwich (6 reviews written)
I had about £9k of debt that I had no chance of clearing. Payplan were recommended to me by Capital One. I contacted them and explained my situation. Once I sent them all the papaerwork they required it took 4 weeks to get my IVA up and running. All my creditors were happy with what they would receive. Payplan are really good people to deal with. They are friendly, non judgemental and give great advice. They do not cream a percentage off the top like a lot of firms do. Their fees are fixed... (read more)
★★★★★
“Very good indeed”
Written on: 14/05/2012
I'm at the end of my IVA, just 5 payments to go. Using payplan has saved me from ruined my life with 19.000 debt on my credit cards, since the first month of using payplan i had no more phone calls or letters from my credit cards. I really enjoy the fact that I had to learn how to live with my own means and that is the best result of using payplan, (I cannot ignore the fact that after I finish my IVA, i will have an extra of 190 quid a month. Remember, bankrupcy will damage your credit... (read more)
★★★☆☆
“best advice????”
Written on: 06/05/2012
I have been placed on a DMP with Payplan and as my debts amount to £19000,I can only afford to pay £100 per month. I bring into question whether I have been advised correctly by Payplan,because I feel that Bankruptcy is the best option!! (read more)
★★★★★
“A great service end to end”
Written on: 01/05/2012
I was having difficulties with my money whilst in a secure job, still I got my self in a bad postion having bought my first house just before the big crash leading to no equity in my house, as before it would have been the case it was below value, with this in mind I spent a little too much in fixing it. All this lead to me overburdening myself with debt I could not afford to pay, if I did all my salary would not have been enough to pay the bills let alone allow me to feed my family. So I... (read more)
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Showing 21 - 30 of 483 Reviews
★★☆☆☆
“payplan, thought it was for the best.........”
Written on: 10/04/2012 by gwendolyn6543
I have been with payplan for a couple of months now, and made my first payment on 30/03/12, this money is still sitting in their account 10 days later therefore gaining interest, where as most of my creditors have accepted the payment proposals, there have been NO arrangements put in place to stop any of the interest or charges ON ALL OF THE ACCOUNTS,now at the beginning i was lead to believe that payplan hadthe power to stop these charges, therefore we would be seeing these bills decrease... (read more)
★★★★☆
“Peace of mind!”
Written on: 30/03/2012
The financial side of this company is absolutely superb and has given me incredible peace of mind. The represenatatives and case manager are very friendly, helpful and caring in their approach and attitude. I have also taken out the protections for the monthly payments and that was very easy also. I also had good dealings with the financial advisor on mortgage protection insurance although it did work out slightly higher than I was already paying, the friendliness and attitude of the... (read more)
★☆☆☆☆
“Useless!”
Written on: 21/03/2012 by Mosk
Been with Payplan nearly 2 years, they advised me an IVA was my best route and I stupidly believed them. I'm now in a position to clear te remaining IVA amount but have been told its going to be £6k on top. They don't tell you this at te start. I would've been better on a debt management plan where I still maintained contact with my creditors as would then be able to negotiate and pay off instantly. But no, not now. I ave to wait 14 days to find out if they'll even agree. All I want to... (read more)
Guest's Response to Mosk's Review
Written on: 17/04/2012
don't understand. Who is asking for £6k more than your actual balance? Payplan or your creditors?
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★☆☆☆☆
“Debt managment plan”
Written on: 23/02/2012 by Dianeb259 (1 review written)
I entered a DMP and have just found out, with 1 payment left to go, that my creditors never agreed to freeze the interest so really i have paid £4000 off since october........AND NO FURTHER FORWARD! I know that they do ask them to freeze it but when no one gets in touch to say they havent agreed then anyone would automatically think that they have and everything is fine, you think your doing the right thing by trying to pay it off when all i have been doing is chipping away at the... (read more)
★☆☆☆☆
“After 4 years my debt has barely decreased!”
Written on: 16/02/2012 by emmum06
I have been with Payplan for 4 years and until mid 2011 never missed a payment although due to my income my payment were small. In 2011 I became self employed and my payments were sporadic but Payplan advised me that I could make a minimum payment which would be sufficient until I could continue with my full payment. I was not told that during this time, which was only a could of months, my creditors classified the reduced payments as defaulting on the agreement and starting levying huge... (read more)
Measham's Response to emmum06's Review
Written on: 22/02/2012
Hi there,
My name is Chris Measham and i am an advisor at Whitmore and Co and deal with Volentary arrangements on behalf of our clients. i would be happy to speek with you regarding your situation and agree that you should maby have gone down the route of a IVA. if you would like to contact me i am available on 01246 234570
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★★★★★
“HIGHLY RECOMMENDED”
Written on: 01/12/2011 by raym9112 (1 review written)
I was looking at reviews here and couldnt understand why Payplan was rated so low?. In 2009 I found myself in about £50,000 worth of debt which I knew nothing about until after my split with ex wife. It was mainly credit card debt etc run up in my name but unko#nown to me. You can imagine how that felt!. I contacted one of my creditors who recommended Payplan. I contacted them - they were very thorough and took details of everything then set up a debt management plan. What I really like... (read more)
★★★★★
“ive been with payplan for 2 months now .all i can say...”
Written on: 30/11/2011
ive been with payplan for 2 months now .all i can say is make that call its worth agood nights sleep. igot into debt due to credit cards and a large overdraft. my partner lost his job six months ago, you always think something will turn up ,but it didnt. iborrowed of my mum and used every option i could think of. in the end ihad to do something it was sending me round the bend. icalled payplan ,they didnt judge me or ask me how i had got into this mess. i was totally honest with them and... (read more)
★★★★☆
“Thank you for helping ”
Written on: 29/11/2011
Thank you Payplan for your help, kindness and patience when supporting me with my IVA. When i contacted you, i was very much in need of support and was running out of ideas. The initial phone call was the biggest relief and everyone i spoke to was so kind and understanding. I didn't feel like a failure for being left in the financial situation i was in from my previous relationship. I am truly grateful to the guidance you gave me and that everything was explained in 'plain English'. Th... (read more)
★★★★★
“Do it!!”
Written on: 13/07/2011
I was at my wits end. The new rule in Credit card minimum repayments that was brought in in early 2011 was the first time I realised I had to do something. Almost overnight the card companies wanted £50-£100 more per card per month and as I found myself in an impoosible situation. I was looking on the internet and came across Payplan. I was careful to check they weren't a rip off company and heard great reviews. When I phoned Payplan I was desperate. No one would give me a loan instead... (read more)
★★★★☆
“Payplan is an honest and simple lifesaver for people...”
Written on: 27/05/2011 by paultergeist
I started my Debt Management Plan with Payplan about 9 months ago and I couldn't be happier with their service, they really have saved my life. I'd tried enquiring about other debt management companies but they were clearly trying to 'sell' me a solution rather than just help. Payplan were quick and very understanding of my situation and within a month of enquiring, the daily routine of getting 15 calls a day from my creditors dropped immediately. I'm still a long way off clearing all my... (read more)
Guest's Response to paultergeist's Review
Written on: 28/05/2011
e with eveeything the above reviewer says. Thank you
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Showing 31 - 40 of 483 Reviews
★★☆☆☆
“I set up a debt management plan with Payplan in 2010....”
Written on: 24/03/2011 by Seriously (1 review written)
I set up a debt management plan with Payplan in 2010. It had taken me a lot of courage to ring them. I found Payplan are very keen to sell you their own products such as safeguard and payment protection which isnt a bad idea. Initially I would make payments at the start of the month and my creditors would be paid near enough straight away. In the last few months my payments which come out at the very start of the month havent been getting to my creditors till mid month. This has prompted one... (read more)
★★☆☆☆
“I contacted payplan a few weeks ago in an attempt to...”
Written on: 27/11/2010
I contacted payplan a few weeks ago in an attempt to move away from a fee charging DMP service, and so pay more to creditors and reduce repayment time. They were very helpful but after taking every scrap of information from me (including creditor account numbers and ref numbers) and even trying to get my bank details (for future payments on the plan via them) they rang me back and advised that my creditors are not those who they have agreements with and therefore as they are funded by... (read more)
★★★★★
“Payplan help all clients on an individual basis. Their...”
Written on: 16/09/2010 by danny79 (1 review written)
Payplan help all clients on an individual basis. Their support is invaluable and i do not know what i woul do without them. And the bonus is they dont charge fees! (read more)
Guest's Response to danny79's Review
Written on: 26/07/2011
I totally agree with these comments,I have been with Payplan for more than 8 years now and am at last totally in control of my finances and its all thanks to Payplan (who dont charge a penny)
they are so kind and sympathetic whilst at the same time offering invaluable free advice. Thank god for Payplan I say as I was in a big mess before.
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★★★★★
“Payplan have helped me when no one else would. They...”
Written on: 10/09/2010
Payplan have helped me when no one else would. They are friendly and see the human side of debt crises. They offer continous support and take care of everything. They stopped the harrassing calls I was gettting daily and created a plan that was tailor made for me. I can sleep at night and I can afford life now. Highly recommended. (read more)
★★★★★
“I don't know why Pay-plan is rated is low. They have...”
Written on: 09/12/2009
I don't know why Pay-plan is rated is low. They have helped me out of really bad debt problem. Their advise and assistance is second to none. I highly recommend you to contact them. I am in a DMP and my creditors are only too happy to receive the payments pay-plan have put to them. I now sleep at night rather than worrying. Go on give them a bell. PS they don't take a penny from you for their services, whereas others do... go on give them a bell, i am glad i did.... (read more)
★☆☆☆☆
“My son took out an IVA with another company which was...”
Written on: 26/08/2009
My son took out an IVA with another company which was sold to Payplan. He was sent a statement a few months ago which showed that although he is paying money each month to them they do not appear to be paying any creditors but taking the money to pay their fees. He is still being contacted by creditors to ask why he has not paid them any money even though he arranged an IVA well over 12 months ago. (read more)
Pay Plan No Good's Comment
Written on: 08/07/2010
i have been paying pay plan for over 2 years and just found out they do nopt pay the creditors all the money that you pay them, they take out a lot of fees for them selves, i only found that out when it was to late
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★★★★★
“I'm shocked at the low review ratings. I contacted...”
Written on: 31/07/2009
I'm shocked at the low review ratings. I contacted Payplan Debt Management on Monday about my situation and the lady was very helpful and sympathetic . I was then booked a telephone interview with their advisor who would go thru the figures in more detail on the Tuesday. This advisor was also extremely helpful, put me completely at ease as she went thru everything. At the end she told me not to worry and that they would contact me back within a few days with the options available to me... (read more)
Feebee's Comment
Written on: 06/09/2009
I found this review very helpful because... I too had the same experience they have been fantastic, understanding and delivered 100% support and help.
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Nick76's Comment
Written on: 15/03/2013
This review is just about their sales front end. The bad reviews are from people who've experienced their service.
Over 3 years later - and with the benefit of hindsight, i wonder if you're still of the same opinion.
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★☆☆☆☆
“I contacted Payplan debt management in a desperate...”
Written on: 17/06/2009
I contacted Payplan debt management in a desperate state told them everything I owe and they said as long as I could afford to pay the minimum payment on my debts then it didnt matter that I had nothing left to live on and to come back when I was in arrears. No advice given on alternative solutions. (read more)
★☆☆☆☆
“Totally unsatisfactory service. I was left with no...”
Written on: 29/12/2008 by Chakra2 (1 review written)
Totally unsatisfactory service. I was left with no support and no recourse. Worse still, nobody at Payplan offered assistance when it was clear that the person I spoke to had not completed the work she said she would do. (read more)
★★★★☆
“One way of improving the service for me would be to...”
Written on: 24/05/2011
One way of improving the service for me would be to either have an email or text to let us know when the payments have gone to my crediters rather than just keep checking the web site to see. (read more)
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Showing 41 - 50 of 483 Reviews
overview
Top 5 IVA (Individual Voluntary Arrangement)
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• All the star ratings the company/product has received,
• The number of reviews
• How recent the reviews are
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Payplansamuel's Comment
Written on: 10/06/2013
Hello,
I am sorry to hear of your dissatisfaction over your current situation.
I would ask that you contact me directly with the details of your case (including ID numbers and contact information) and I will pass them on to the Senior Manager to assess your options.
Kind regards,
Samuel
Payplan’s Review Centre representative