I was apprehensive about a DMP, shame humiliation and thinking there would be no end in sight. However, with Payplanplus I am reducing my debt under a structured affordable amount. I can ask for reviews as and when needed, great for me as I am working on temporary employment contracts. The team also understand mental health, and check in with me occasionally to make sure all is ok.

I was struggling with debt and decided to use Payplan. They helped me to clear all my debts and be debt free with an IVA. Payplan took away all the stress and dark thoughts and I would encourage anyone with debt problems to contact them. They will help to sort this out. My only one gripe is that they changed my Case Officer too many times, but I still got a 200% service.

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 :)

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 money after mortgage, house hold bills and food shopping etc and thats what you pay each month. They managed to get the interest stopped on 8 out of 9 credit cards and the plan term was set at 8 Years. 8 years can seem a long time but now 6 years in and down to £23,000! If your stressed, not sleeping and generally worried sick call them, you wont be sorry.

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 could help because none of my cards was going down,I rang them and they was lovely I thought they may judge me for getting into so much debt but they never they was very understanding and reassuring,they have given me support all the way through my DMP they sorted all my creditors out for me at the very beginning I didn't have to do anything,I have just paid my last payment and payplan has phoned me to say that I am debt free all my creditors are happy and my balances with them are all zero, it really is such I nice feeling,so if you are struggling,worrying,not sleeping then you really should ring payplan and you will start sleeping again I did,I just want to say a big thank you PAYPLN for everything.xx

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 you have been a godsend.

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 completion of our IVAs and they continue to be just as helpful, understanding and friendly. Like other reviews, we seem to have gone through different case officers but this has had no effect on us or our overall plan. I have nothing but praise for the team at payplan and i hope this remains the case for a further few months while we complete our IVAs. I would highly recommend Payplan to anybody if they are in a situation they need help with.

No problems with them at all.

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 several friends who have all been delighted with their level of service. Anyone out there drowning slowly in a sea of debt, pick up the phone and start living again, Payplan is there to help you.

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 went to the C.A.B. site. Contacting them was impossible - hours trying to get through on the phone. In desperation I noticed a little ad for Payplan so headed to their home page & read all the small print. Couldn't find any catches so plucked up the courage to call - WHAT A RELIEF... So understanding, non judgemental and totally on my side. Within a couple of weeks my IVA was all set up and the dreaded day for the creditors meeting arrived. I didn't have to attend but waited anxiously by the phone for a call to tell me whether my application was successful. All turned out well and I now pay £100 per month directly to Payplan. They took the whole situation on board and relieved me of all the worry and anxiety. Provided I maintain my £100 per month payments for the next 5 years I will be debt free and £26,000 of my debt will be written off. My advise? Don't wait until suicide is your only viable option, call Payplan immediately.

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 ratings for years to come, it could be up to 15 years when the IVS will damaged it for about 6 maybe 7 years. Be brave and accept the fact that you have a debt, deal with it and don't run.