Nik thats really strange that you were informed this in oct as we were first informed in september of the change that we need to inform them of any increase of income asap rather than at the review as previously. Payplans phones are going to be hot with people now having to constantly ring in to say their income has either gone up or more likely that their bills have increased, it just doesnt make sense to me.
The first 2 years of my IVA with Payplan they were great no complaints at all. the last year things have become more and more diffircult. It has all changed.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I feel something has happened at Payplan as there seem to be a lot of changes and problems surfacing just lately. Hopefully it will get resolved and normal service can be resumed sooner rather than later.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
I do think it's a shame and the rep from here, Declan is it? Really needs to go back and feed this confusion and uncertainty back. I am sure as a company they would be better off making a set rule within the company and sticking to it rather than clients seeing different people told different things or suffering for a change in company procedure with no notification and then penalised for it at review. If they change the procedure one month after your review and you get a payrise you would have 11 months of backdated rise to pay which could end up making you have to have a variation meeting due to their internal changes and not actually your fault.
Let's hope they pick up on this thread and maybe make an official response to put peoples mind at rest because as a couple of people say they have had a lot of stick lately and a quick resolution to these problems will ease clients minds and maintain a good image for the company and future prospective clients.
Not only a variation, daveyboi. As we know, being on an IVA is often living on a financial knife edge, and soemthing like this could fail the IVA, as Payplan are not known for being accomodating with making up arrears.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
When I asked why they had sent me that letter, I was told it was a standard letter. Why send a letter like that to somebody when it was totally inappropriate? I know I should not let it bother me but it does. It just seems like a totally uncaring attitude.
If they had been in touch and I ignored them fair enough but I gave them a call in my lunch break as soon as I recieved the text on my phone finding a quite corner near work to speak to them and asking if I could complete my review by post because it if differcult for me to speak to them 9-5.
Its hard enough being in an IVA without having to deal with this type of thing.
Yes it could fail it however thankfully that's for the creditors to decide and not payplan. Usually creditors come to some form of agreement but I most definitely agree that Payplan shouldn't be changing goalposts during an IVA putting their clients at risk of failure that is completely unprofessional and needs to be urgently reviewed within the company that how they are structuring things lately and the advice they give people, are they doing right by their clients as well as the creditors. An IP is meant to be impartial after all simply supervising the arrangement fairly to both parties.
Nick has been on a,few times just lately about various things but I don't tbink he has actually solved anything and we're non the wiser.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
It's a shame Jan and I hope he is feeding this back and that the delay in response is solely because they are still in the process of coming up with a standardised approach to these situations for further clarity for their clients. I sincerely hope that's not wishful thinking for you guys x
I also have hindsight with my choice of IVA company but I am sure I, like many, was in such a dark place at the time that the first person who showed compassion, consideration and a way out of my problems I jumped at the chance to stop the world caving in around me on a daily basis.
Replies to posts such as these showing doubt and lack of trust in your IVA company is something they shouldn't just morally reply to and provide explanations but actually NEED to if they wish to maintain their good name or potential future clients. This is all very bad press for them and it is in their best interests as a commercial business to rectify this before it starts affecting their profit margins.
Had to contact payplan today regarding overtime and dealt with a lovely woman who was very helpful and polite. She informed me that payplan had recently made these changes for the benefit of the client so that instead of paying 50% of the increases over they would automatically do a new i/e and more often than not this budget would be swallowed up in ever increasing outgoings because of the conatant rise in the cost of living. With regard to variations the 15% isn taken into account from the first intial agreed payment. I do feel better finally getting some answers but still think payplan have dealt with this in the wrong way . All this extra stress and questions wouldnt of been needed if they had wrote to their clients explaining the changes. Overall I cant fault payplan, they have got us back on the straight and narrow and we will be forever grateful Maybe they could have alittle more training on inter personal skills within some of their depts
