Review from Sensible77 (1398 views)
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|Review of: Payplan|
|Review date: 01 July 2007|
|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: 4 weeks|
|Weeks to IVA accepted/rejected after decision made: 10 weeks|
|IVA Company Ratings|
|Their debt solutions expertise:||7 out of 10|
|Their customer service:||7 out of 10|
|Their speed of response:||9 out of 10|
|Overall Company Rating:||7 out of 10|
|Insolvency Practitioner Ratings|
|The quality of IVA proposal:||7 out of 10|
|Overall Insolvency Practitioner Rating:||7 out of 10|
|Over 15 years I had managed to amass credit card debts of £75,000 plus overdraft and personal loan. In the end I was paying off one credit card with another until the money ran out. There was no particular reason for the debt, just spending more than I earned.|
|My interaction with the company:|
|After doing research on the web, Payplan looked OK. I was attracted to them as they did not require any upfront payments and if the IVA was rejected, no payment either. I telephoned them and after giving a few brief details, a call back from one of their advisors was arranged for a few days later.<br> <br> I found them to be understanding and helpful. After the initial contact, most other contact was done by e-mail with their responses being very quick, usually the same day. I prefer to use e-mail as I then have a written record of my questions and their answers.<br>|
|Why I gave the ratings I did:|
|I rated them 7 out of 10 overall as I found them to be very helpful and able to explain things in a way that I could understand. I was not familiar with IVAs until I started doing some research.|
|One thing they did - which really impressed me:|
|Their speed of response was very impressive. Their paperwork was not always 100% but all amendments were made straight away.|
|One thing they did - which I felt could be improved:|
|I would have felt better with one point of contact during the proposal. I had about 4 different people, but they were up to date with my case. Now that my IVA has been approved, I have one contact.|
|I dont feel too good about not being able to pay my debts in full, bit an IVA was a godsend to me. My dividend was 47p in the pound and I have just made my first payment. About £46,000 of my debt has been written off provided I maintain the payments. My wifes earnings were taken into account and we are both confidant that we can see this through to the end.|
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always promptly responded to any questions eg e-mails etc
Review from jackjack, 06-Jan-2007
recieved calls back asap, paperwork sent out that day,on the ball.
Review from shell , 22-Oct-2010
Even when you call in a panic about something, be it the threatening calls youre getting from creito...
Review from SJC, 06-Mar-2007
They allowed 1 years holiday
Review from noel , 25-Jan-2011
Their speed of response was very impressive. Their paperwork was not always 100% but all amendments ...
Review from Sensible77, 01-Jul-2007
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