Review from greedfighter (3967 views)

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Review of: Payplan
Review date: 07 May 2011
Insolvency Practitioner who handled case: John Neil Harrison
I proceeded as far along as: Accepted IVA
The solution I opted for in the end: IVA
 
Speed of response
No of days to make a decision after I spoke to IVA company: 1 days
Weeks to IVA proposal after decision made: 6 weeks
Weeks to IVA accepted/rejected after decision made: 4 weeks
 
IVA Company Ratings
Their debt solutions expertise: 6 out of 10
Their customer service: 5 out of 10
Their speed of response: 4 out of 10
Overall Company Rating: 4 out of 10
 
Insolvency Practitioner Ratings
The quality of IVA proposal: 5 out of 10
Overall Insolvency Practitioner Rating: 2 out of 10
 
My circumstances:
Reduced Income joint debt 104k
My interaction with the company:
I rang them, they listened to my situation and recommended IVA, they posted form, I completed and returned, after some small changes the IVA was accepted at the creditor meeting. I found them to be friendly and helpful
Why I gave the ratings I did:
They were helpful and friendly at the outset however as the IVA has gone on I feel they are less helpful, slow to respond and sometimes unrealistic.The case officer changes too frequently. The business model they operate appears to have some significant flaws.It takes a long time to resolve a problem and I feel they operate on the basis of getting the highest return rather than what can realistically be afforded.
One thing they did - which really impressed me:
Nothing specififc.
One thing they did - which I felt could be improved:
The allowances need to be realistic rather than based on the CCCS guidelines. 
Other points
The IVA goes on. The dividend started at 26p/£ but more likely to be 50p/£ by the end.It is a struggle and feels worse than being in debt.I would have gone bankrupt if I knew at the beginning what I know now.

Community Comments of this review

Quality? Genuine? Date
4 out of 5 5 out of 5 20 June 2012
Comment: Definitely genuine, my experiences with PayPlan very similar. Very good at set up but once its up and running not so good. No particular problems but they are definitely slower to respond. Also agree with case officer change. Whenever I have contact with them I have a different case officer!
 

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Reviewer quotes

  • Payplan
Compassion not judgemental
Review from Peter, 04-Feb-2008
I was really impressed by their speedy replies and any time they said they would call, they did, at ...
Review from jimmyc, 12-Sep-2007
always promptly responded to any questions eg e-mails etc
Review from jackjack, 06-Jan-2007
relieved my stress making me ill!!
Review from Adyj73, 30-Jul-2011
Spead of reply to emails is excellent, very helpful staff.
Review from mcobie, 08-Jan-2007

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  • Very poor company customer service wise, I also have ended up with them after my account was transfe...
  • I agree with a lot of what has been said. Very poor customer service. In fact they ignore any corr...
  • Dear MRS 12, I'm concerned to read your comments on your time with Freeman Jones. Clearly this is no...
  • I am currently in an IVA where Greg Mullarkey is the IP - I find him very rude and unapproachable. ...
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