Thank you for your kind (and knowledgeable) replies. We are going to speak to Payplan again tomorrow - hopefully our IP. Can anyone advise me of what actually we can ask? For example, can we demand to speak to our IP himself? Can we demand a second variation? etc. I just want to be sure we know any ...

Thank you for your replies. They (Payplan) have told us we can only have one variation, and as we've had one in the past they cannnot go back and ask for another?? The reason we asked for a second one is that the income we have now is much lower than then (due to ongoing loss of commission on my hus...

Myself and husband have IVAs. We have been missing payments/making reduced payments for a while. Today our IP said they are failing our IVAs (mine was due to finish next year!) The reason for the missed/reduced payments is because of a large reduction in my husband's salary (some of his salary is co...

Yesterday I Googled 'Payplan Case Officer' with the aim of seeing if anyone else on this or any other forum has or has had any problems with their Case Officer. (I was wondering if perhaps I'm being over-sensitive with how I feel when I have to deal with ours, although I don't think I am to be hones...

Thanks for all your replies. Unfortunately, after all the working out it seems that F & F won't be possible after all. The amount we would have to pay is much more than we thought, and our good friend will not now (due to it being a much higher payment than we suggested to him) be able to help us. A...

Thank you luluj, I thought they must have to reduce the fees if they don't need to supervise the IVA for the full term. But how do I know how much the final figure would be reduced by, so as I can work out around what sort of an offer we would have to make?

Thanks for that Foggy - and that is one of the figures I came up with! I have found out how I kept getting different figures though - although we thought it was £200 for 60 months for my husband, and £100 for 60 months for me, it's actually not. It seems to be a variable amount - not sure why, and n...

Our home is mortgaged and we are in (rather large) negative equity.

Hi, Can anyone advise me of how to work out what kind of offer to make in full and final settlement of our IVAs please? (There is a slim chance someone could help us do this if the figure is within his reach) Here are the facts: MY IVA Set up initially to pay £100 per month. 26 payments made at that...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Nick Payne Hi RuMa, I am concerned with your post and would like to look into this matter as soon as possible. Are you able to email me directly? Thanks Nick Thank you for your reply Nick (and everyone...

Regarding the problems people have highlighted with constantly changing Case Officers - I wish ours would change!

I find her abrupt, antagonistic and totally unsympathetic. It depresses me every time I have to have contact with her. [V]

Hello, I am wondering if it is possible to request a change of IVA Case Officer? We have never dealt with our IP, just this Case Officer, and we really do not like her at all. We find her rude, condescending and abrupt. She almost makes us feel like we owe her money personally! We know we will have ...

Hi Foggy,

Thanks for your quick reply!

Our IVAs are with Payplan.

Hello, This is my first visit to the forum and I have a specific question I hope someone can help me with. Is it possible to request to change the Case Officer who deals with our IVAs? I ask because we really do not get along with the one we have - we find her rude, condescending and abrupt. We have...