Payplan Reviews - www.payplan.com

★★★★☆
4.3 / 5
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Latest Reviews

★☆☆☆☆

“avoid payplan at all costs ”

Written on: 28/11/2017 by ymMitchell1950 (1 review written)

I have been with Payplan for 4 years as has my partner, original combined debt of £27,000 currently paid £45000 ish and no light at the end of the tunnel yet, currently speaking with "rip off britain" advise anyone else having problems with Payplan to do the same now… Read Full Review

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★☆☆☆☆

“Find someone else”

Written on: 20/06/2017 by Devynt71 (1 review written)

Like so many other reviews here, my experience with Payplan started extremely well. I was encouraged to enter into an IVA over 5 years through Payplan, and they were friendly, approachable and professional. Communication was easy, and the initial process of arranging the IVA was smooth. I would give 5 stars up to this point. However, once this agreement is in place, you are simply abandoned. Case workers change on a regular basis, queries via phone and their internal email system go… Read Full Review

Davey-Buoy's Comment

Written on: 21/06/2017

This whole Debt Management system is erring on the side of corruption, My PPI cheque returned to me by the Bank which removed it 9 years ago,is lying in a certain bank account gathering interest for somebody else.
Surely the government should be looking into this State of affairs , these small time Debt Management Companies are taking on far too much work.

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★★★★★

“Outstanding”

Written on: 13/06/2017 by Templetonrw332 (1 review written)

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… Read Full Review

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★☆☆☆☆

“Incompetant,demanding,Awful”

Written on: 11/02/2017 by Watsonii57 (1 review written)

I am taking matters to the FSA and the press in regards to this business.They are deceptive and do not like to answer questions after they have Hard sold you into an IVA. This kind of practice when dealing with those already in highly stressful situations shows a complete lack of care for anything other than getting as much money in Fees from you as possible. I would strongly advise anyone looking for a debt solution from a business to go elsewhere. Sincerely… Read Full Review

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★☆☆☆☆

“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

Cabbage1971's Response to FlisJane24's Review

Written on: 09/02/2017

I totally agree.I have had nothing but the same with payplan.I have found them to be deceptive and incompetent.I would advise anyone to go elsewhere for an IVA

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Allenhartsen's Response to FlisJane24's Review

Written on: 16/07/2017

Totally agree with this review. Talking to payplan is literally like smashing your head again and again against a brick wall. They do not respond to emails, phone calls or letters. They totally balls up every single statement and budget review. They are hopeless, useless and downright deceitful. If you or I fraudulently took money off people the same way they do we would end up in prison. Do not touch this company with a two hundred foot barge pole.

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Davey-Buoy's Response to FlisJane24's Review

Written on: 05/06/2017

Just don't bother sending Snail Mail they do not answer.

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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

Davey-Buoy's Comment

Written on: 06/06/2017

The three Leaflets they sent me were like reading Fairy Stories ,70% of your debt can be written off,etc etc .what a load of baloney just before they take you to the cleaners.

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Davey-Buoy's Comment

Written on: 08/06/2017

Their three introduction leaflets wafting you into the IVA are like Fairy Story's.

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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

Davey-Buoy's Comment

Written on: 08/06/2017

A government body should be looking into these Characters.

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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

Davey-Buoy's Comment

Written on: 08/06/2017

You summed it up in one go " over a barrel ".

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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

Davey-Buoy's Response to NMC574's Review

Written on: 06/06/2017

As this IVA arrangement was started by a Government Body it is time for the Government to step in and smell the coffee.

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Davey-Buoy's Response to NMC574's Review

Written on: 08/06/2017

Go to the CAB.

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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

Davey-Buoy's Comment

Written on: 06/06/2017

Some responsible Government department has to step in and take control here it is getting out of control,some of these IVA's are getting very close to Legal Robbery.

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Davey-Buoy's Comment

Written on: 08/06/2017

You have the satisfaction of knowing you are not the only one being taken in with these characters.

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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

Davey-Buoy's Comment

Written on: 05/06/2017

Any chance you might be an employee is there?.

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Davey-Buoy's Comment

Written on: 08/06/2017

In the first year you should have been offered an IVA , you are not an employee by any chance are you ??

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Davey-Buoy's Comment

Written on: 06/06/2017

And you are not employed by Pay Plan can you swear to that ?.

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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

Davey-Buoy's Comment

Written on: 06/06/2017

You have to be an Employee you have obviously looked at all the complaints.

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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

Davey-Buoy's Response to eddy100's Review

Written on: 06/06/2017

They all want to be Millionaires just like the rest of us,but they are robbing the wrong people.

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Davey-Buoy's reply to Davey-Buoy's Comment

Written on: 10/06/2017

If you have PPI this lot just send it back to the bank that stole it , I am paying back £50,000 to the bank which stole it,at the moment and am just waiting to see the interest they will charge.

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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

Davey-Buoy's Comment

Written on: 06/06/2017

9 years with Pay Plan and every different team member sounds as though they are on a Training Course,several did not even know what I was ringing about.

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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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