Payplan Reviews - www.payplan.com

01476 581279
★★★★☆
4.4 / 5
89% of users recommend this
  • Quality Of Service

  • Value For Money

? Ask our helpful community of experts about this product or company
Payplan www.payplan.com - Ask a question now

Media Gallery for Payplan www.payplan.com

Payplan www.payplan.com

Latest Reviews

★☆☆☆☆

“Terrible customer service”

Written on: 14/04/2014 by DevonLancaster (1 review written)

I've been on a DMP with Payplan now for 4 years owing in the region of £20k and it SHOULD have been finishing a few months from now. Instead one of my creditors has been charging massive amounts of interest and despite the fact I've paid through Payplan over £17,500 I still actually owe more like £10k. Recently I've been lent some money by a family member in order to try and get some of my debt cleared and wanted to pay off a chunk of the money owed to my biggest creditor which is the one… Read Full Review

Report this review
★★★★★

“Best decision I could have made”

Written on: 24/03/2014 by SanaiHaley (1 review written)

I have read a lot of the reviews on here and just had to stick my oar in. I have 17 payments left to make to my IVA, 16 from next week, I can honestly say, I sleep a whole lot better now than I did for the 12 months before I entered into the IVA. I have had a change of supervisor but so far so good. I am actually enjoying living without credit, if I cant afford it I cant have it, I just wish this way of life had come to me sooner then I wouldn't have gotten into the mess I did. Thanks Payplan… Read Full Review

Report this review
★★☆☆☆

“Payplan Looking Out For Themselves”

Written on: 08/01/2014 by 2xsmiths (1 review written)

Like a lot of people in debt, we were grateful to Payplan for taking the pressure off from our creditors chasing us. We were recommended an IVA which we started in 2008. We were told that after 48 months we would have to try to release equity in our property. If we couldn't we would have to continue to 60 months. What actually happened was that they have extended my wife's IVA to 6 years as we couldn't release the equity. I've just made my last payment, yippee!! But a mis sold ppi claim has now… Read Full Review

By Payplansamuel

Written on: 09/01/2014

Hello,

Thank you for taking the time to leave your feedback and your comments.

To explain about some of your comments:
Under the terms of an IVA you have an obligation to pay back your creditors as much as possible, remembering that you will never pay back more than what you owe with the addition of statutory interest and charges which are frozen in an IVA.
In general terms, PPI is an asset of the IVA and as such must be realised into the arrangement for the benefit of your creditors.

Regarding equity, if your wife was unable to release any equity in your property, an extension of the term provides a higher return to your creditors who are expecting a release of a lump sum into the arrangement. Each IVA proposal will contain how to deal with various scenarios and must be consulted each time.

I hope that explains our position, if you require any further information or assistance, please do not hesitate to contact your assigned Case Officer or anyone in the Client Support department, who will be more than happy to answer any queries that you may have.

Kind regards,
Samuel

Reply to this comment

2Xsmiths's reply to Payplansamuel's Comment

Written on: 09/01/2014

Thank you for taking the time to stand up for Payplan. You must remember that you also have a duty of care to your clients and not only the creditors. You are legally obliged to treat clients fairly and taking money owed to them after they've made their final payment isn't treating them fairly. How long after making a last payment do you continue to take money? If as in my case my grandmother died whilst in my IVA, will you chase for any inheritance I receive??

Reply to this comment
Report this review Read 2 Comments
★★★★★

“IVA and PPI”

Written on: 17/10/2013 by Maxxey1234 (1 review written)

Hi I have just been informed that I have been awarded 1499 pounds from a mis sold PPI, I am in an IVA with Pay Plan how much of this will I be able to keep I think my case officer said 8% is this correct because I have some urgent house repairs that need doing, I must say I have been very pleased in the way Pay Plan has handled our case… Read Full Review

By Payplansamuel

Written on: 18/10/2013

Thank you for sharing such positive comments on the service you have received from us. We really appreciate it.

It would be best to speak to your case officer about this claim as they will be able to confirm the amount for you.

My contact details are at the top of this page if I can be of further help.

Good luck with the house repairs.

Jane Jenkins
Payplan

Reply to this comment

Up2Ournecks's Response to Maxxey1234's Review

Written on: 27/11/2013

Hi Maxxey1234 have you had any update yet with regards to the 8% as we are in a similar situation and jsut wondered how long or if they have given you any money back?

Thanks

Reply to this comment

Andys3012's Response to Maxxey1234's Review

Written on: 12/11/2013

Payplan seem to hold on to your 8% for as long as they can, so don,t book the builder just yet.

Reply to this comment
Report this review Read 3 Comments
★★☆☆☆

“Obstructive and unsupportive”

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… Read Full Review

By Payplansamuel

Written on: 15/10/2013

Hello,

I am very sorry that we haven't given you the level of service you expect and would like to help you.

If you could contact me directly with your details (name of case office, case ID, contact information) and I will make sure it is passed over to a Senior Manager to deal with quickly.

We also apologise for how long this reply has taken. We've been having big issues with the Review Centre login.

Regards,

Ian Nuttall
Payplan Representative

Reply to this comment
Report this review
★★★★★

“Fantastic Service”

Written on: 24/08/2013 by aspeyalila (1 review written)

Since starting DMP back in 2007 ive had nothing but fantastic service. Ive had a couple of issues with payments but the team have sorted everything out very quickly and efficiently. Im nearing the end of my plan and am very excited about it. I've also had a couple of people dealing with my plan but understand this and it not caused me any issues at all. Thanks for all your help to date… Read Full Review

Report this review
★☆☆☆☆

“Unhelpful, different info. from different advisers.”

Written on: 03/08/2013 by Paulb1597 (1 review written)

For the first couple of years, very helpful, and would have recommended them to a friend in the same situation as ourselves. Over the last two years we have had 3 different case officers,, the last two have been an absolute nightmare. Had no increase in wages since before i even entered into the plan, mi wife has had an increase of £199 over the same period. Our payments to payplan have gone up and up and up. We are now in a situation where we are living on scraps, by the time all our payments… Read Full Review

By Payplansamuel

Written on: 15/10/2013

Hi Paul,

I'm sorry to hear that you've been unhappy with our service over the last few years and have had issues with mixed communications.

Could you get in touch with me directly with your information (like case ID, contact information) and I can pass this to a Senior Manager to look into for you?

We pride ourselves on giving good service, and want to help you resolve these issues.

I would also like to apologise for the delay in replying to your review and will ensure we do everything we can to help.

Regards,

Ian Nuttall
Payplan Representative

Reply to this comment

Paulb1597's reply to Payplansamuel's Comment

Written on: 15/10/2013

Please can you give me your email address urgently.

Again we are being harrassed by our case officer again for more money, that was agreed on our last expenditure review.

This is causing an unbelievable amount of stress on our family, and is causing my wife to be ill. She is booking an appointment at the doctors as she i getting unwell with all this.

You are supposed to be here to help, which was why we came to your company.

Reply to this comment

By Payplansamuel

Written on: 21/10/2013

Hi,

Sorry to hear of your situation.
The contact details are at the top of this page if we can be of any further assistance.

Kind regards,

Samuel
Review Centre Representative

Reply to this comment

Paulb1597's reply to Payplansamuel's Comment

Written on: 21/10/2013

Have emailed our details.
Thanks

Hopefully she will reply. Cannot find your email address on this page ?

Reply to this comment

By Payplansamuel

Written on: 22/10/2013

Hi,

Apologies for the confusion. The contact information is underneath the search box at the top of the page, next to the icons. The e-mail address should be a purple link.

Hope that helps.

Kind regards,

Samuel

Reply to this comment
Report this review Read 5 Comments Read Verified Business Response
★★★★★

“Superb”

Written on: 12/07/2013 by shaun1878 (1 review written)

I started a debt managment plan in 2006, I owed approx £26,000. The help and guidence I received from Payplan was 1st class. I finished my plan in April this year and I am now debt free. Yes they change case officers every now and again but I never had any problems with any of them. I was always kept informed by email of any changes. So in a nutshell I cannot recommend them highly enough and they are FREE so if you want to go to all the other debt managment companys out there and are… Read Full Review

Report this review
★★★☆☆

“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 that… Read Full Review

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

Reply to this comment
Report this review Read 1 Comment
★★☆☆☆

“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 Full Review

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.

Reply to this comment
Report this review Read 1 Comment
★★★☆☆

“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 Full Review

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

Reply to this comment
Report this review Read 1 Comment
★★★★★

“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 Full Review

Report this review
★★★★★

“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 Full Review

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

Reply to this comment
Report this review Read 1 Comment
★☆☆☆☆

“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 spelling… Read Full Review

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

Reply to this comment
Report this review Read 1 Comment
★☆☆☆☆

“FANTASTIC SERVICE”

Written on: 29/03/2013

Payplansolutions changed my life for the better. Thank you payplansolutions staff. … Read Full Review

Vandaorchid's Comment

Written on: 08/04/2013

Why are the positive reviews always written by ' guests ' ?

Reply to this comment
Report this review Read 1 Comment
★☆☆☆☆

“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 payments… Read Full Review

Report this review
★☆☆☆☆

“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 Full Review

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.

Reply to this comment

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.

Reply to this comment
Report this review Read 2 Comments
★☆☆☆☆

“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 a… Read Full Review

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

Reply to this comment
Report this review Read 1 Comment
★★☆☆☆

“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 for… Read Full Review

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

Reply to this comment
Report this review Read 1 Comment
★☆☆☆☆

“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 and… Read Full Review

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

Reply to this comment
Report this review Read 1 Comment
overview