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.

Payplansolutions changed my life for the better. Thank you payplansolutions staff.

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 but ignored some things like ground rent etc and payments seemed affordable, well they would do compared to what we had been paying. The day of the meeting we were informed that the £50 contingency wasnt being allowed and my husband also had 61 payments (initially one nil payment for higher hp payment but the £50 extra a month does not constitute a payment) and pressed for a decision that day. So thinking there was no alternative we agreed - worst mistake. From that moment on we were treated like children or criminals and only rang them when my car finance threatened repossession and to decrease the payments by an allowed 15% (they don't tell you this) no doubt it will go up 30% next year. Realised they are not there to help the debtor, charge for phone calls and now have the cheek to send text to ring them - err no I text no you ring me. We found that we can't manage on our pocket money or lack of it so We are now considering bankruptcy, but cannot get any help from STEP CHANGE due to IVA, but actually feel we cannot approach Payplan for any advice as it seems biased. A waste of 12 months and they are £6000 richer and not one penny paid to creditors, old saying Richard Turpin wore a mask.

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 constantly exhorting me to leave it to them & trust them.I might have been inclined to do so but for their apparent inability to keep hold of documents sent to them. In the end they recommended an IVA to me, which I sam now on. In the last year I have increased my payemnts to them 20% in an effort to stop them forever demanding MORE money (over and above what they already get in my payments) - but this has'nt worked and they keep guzzling more and more and more and more...... On an IVA you are required to send in copies of payslips every 3 months for review - Payplan regularly lost the copies or declined them as being 'not good enough copies', so I took to sending them the original payslips, which they then complained about! Somehow I can't keep a case officer - I had something like 3 in the first 12 months of my IVA, and 3 more since. This in turn causes confusion when documents sent to one case officer are not passed on to the next, and all the while Payplan are accusing ME of not sending them the documents in the first place. All Payplans communications are abrupt - give this, do that now, do the other immediately - and always seem to end in '...if you don't comply immediately you'll be in breach of section blah blah of your IVA...' I thought that going with Payplan was meant to be an end to being threatened by your creditors - instead Payplan has threatened me many more times over compared to them! I wish I had gone bankrupt - I'd have lost everything but my self respect. Payplans been grinding that away for 7 years now. I WOULD'NT RECOMMEND THEM IF THEY WERE THE LAST OPTION ON EARTH.

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 reference number and said to call back if I had any questions or problems. A couple of months later I felt that managing it myself wasn't working so I contacted them to ask if I could go onto a managed scheme - I've phoned and they never called back, emailed and got no response. I assume that since my debts aren't quite big enough to make it worth their while they're not prepared to help me. They're big enough to me though. I know they're free to use, but in this case you get what you pay for. Time that I could've been constructively clearing my debts lost. I'm using a different DMP company now, who charge for the service but at least provide some. Thanks for nothing payplan.

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 life cover just to get them off my back & start the plan. They take the money, it sits in their account? for at least a week. Creditors constantly send me reminders about late payments & add charges as they are not paid straight away. On some accounts I have barely made any progress. I owed about £7000, I have now paid £2000 yet my debts still stand at £6000 due to these 'late payment' charges. I was told I would be debt free in 2.5 years at £205 a month payment. A year on, I can see that is completely untrue. When looking at my account online, not one of the balances owed to creditors is correct. I still speak to creditors to confirm I am still with Pay Plan, they DO have the months payment, NO, I DON'T KNOW WHY THEY HAVE NOT BEEN PAID YET!! This happens most months. I have a real issue with the length of time from taking the money from my bank account to reaching my creditors. I also have an issue with the way they split the payments, I would much prefer higher amounts to go to those accounts where interest is still being added. Overall the staff I have managed to talk to have been very polite, but remember while they may be a 'free' service, they do work for the creditors & the staff do get paid. I am seriously considering contacting the creditors to make payments directly to them myself in the hope of stopping interest charges & becoming debt free much more quickly.

No problems with them at all.

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!

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 customers experiences of creditors refusing to forego interest. I feel the advice and information they sent me was tailored to set me on the wrong (IVA) track and my best interests were NOT their main concern.

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.

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.

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 - and cut up the credit cards they are poison when you have no dosh!

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. Further more I discovered that they had missed one of my creditors (even thought I was told by one of MANY "financial advisers" at Payplan that they had done). This then led to the debt being given to a debt recovery service (which was a very unpleasant experience). I was then asked if there was any option to borrow money of a friend or relative to settle my debts. I did so and was told by pay plan if I had roughly 80% of the debt we could reach a settlement with my creditors but I need the money in my account as it is a very quick process. It took over a month! Payplan took so long in arranging the settlement (and it was really me who had to take action on the settlement offer as my settlements contact changed 4 times) by the time they offered 80%; my overall debt had grown which meant amount that the amount I borrowed was no longer 80% of my total debt.

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 creditors at the end of the term to see if any of the interest could be wiped off, i called one of my creditors and all payplan had done was ask for a final balance. By offering to pay the bulk of the debt off they are willing to wipe off £400 !! I would therefore advise anyone to keep in touch with your creditors and ask for update s on the account and ask if interest is being applied as payplan WILL NOT have this information. Good luck and its a long road but worth it when you reach the end :)