This is my first post so please bear with me. I`ve been reading the forum since I discovered it last year and it has always been a source of comfort as well as practical advice. We`ve been with payplan for 3.5 years and for the first 3 years we could not praise them highly enough even though our cas...

I`ve been with payplan since 2008 and just completed my 3rd year. My annual reviews have all been quite painless. I have a telephone appt to go over my income and expenditure, I am then requested to send my last 3 months payslips and my P60 but seeing as I send my payslips quarterly anyway they`ve u...

I appreciate that they are entitled to claim back any surplus money. I have as I have always done kept 50% and saved 50% of any excess to pay into my iva as per the terms and conditions, so I am in a position to pay this money. What surprised and upset me was the threatening tone of the letter. I ha...

Although I have been in an iva for 3 years and just had my annual review I`ve only just discovered this forum and have been reading it avidly for the past week. I am also with Payplan and have a basic salary and also earn extra shift pay from time to time. (what got me into this mess in the first pl...