What to do if your Payplan Rep is rubbish???

System · 7 June 2007 at 9:52PM

Lennon wrote: »

Yeah I appreciate they do a good job and I was slightly apprehensive about posting something critical. I'm glad they helped you and i'm sure many other people are too

Not at all we're all entitled to our opinion, I just like to defend them. You are still with them though?

dips47 · 8 June 2007 at 4:33PM

hi lonely
i am with payplan now for 12months,i agree what others say about payplan,they are trying their best to deal with everone's problems,
As they say they cannot gerentee any intrest on accounts to be frozen,but given time you will find creditors will in the end either accept the offers and freeze the intrest or sell to a debt collector agency where they will accept and freeze intrest/charges.
All my creditors have now accepted the offers,just hang in there,thats the advice payplan will give you,i hope this helps. Don't you will find that your case officer will change and you might even have a better response.
You will find that most creditor will hassel you by saying they have had no correspondance from payplan ,all they want is more money from you ,but stick to your plan and just tell them you can't afford to pay any more and payplan are on your case.Don't make mistake that i did ,i gave them extra £10 in one month and they expect this every time from you this is because they did not accept the offers payplan had made.just stick to your guns.

biglad · 8 June 2007 at 6:54PM

I had a rubbish one, but think they left and mine changed, they are really good

just ask to change, payplan and this site have been my life saver lol

Mort · 8 June 2007 at 10:25PM

We have been with PP for 11 months now, the last two months have been awkward as it is hard to get through to them and they are having problems replying to voice mail and e-mail.
Up until this time PP and their reps (3 client services so far) have all been very good and thinking back to this time last year I don't know where we would be now.

From the outset Lloyds TSB have been trouble. The Abbey, Barclaycard, and eventually Halifax all accepted the DMP and froze interest. Lloyds TSB only did so this January and for a limited time claiming that they did not have any paperwork from PP.
The biggest worry is that Lloyds TSB claim not have received 3 payments from PP. They know where their payments come from but they refuse to contact PP direct so I get in touch with PP and they tell me Lloyds TSB have asked PP not to contact them direct. All very frustrating.

I have the feeling that Lloyds TSB don't approve of or like dealing with PP.

msflowerfairy · 9 June 2007 at 1:09AM

I have also been dealing with Lloyds, and Paylan are currently helping me to go through an IVA.
I contacted Lloyds the other day to reply to one of their many letters, and they said that they had received no corrospondance from PP.
I said to them that i would be unable to go through an IVA if PP had not been in touch with Lloyds because they required a settlement figure in order to put together my proposal.
The guy i spoke to then said oh yes actually PP have been in touch on the 23rd of April, and all is fine, i will make a note of our conversation LOL!!
I was very calm, and collected on the phone, i stated my case very slowly, and clearly, so that the operative could not misunderstand me.
It just goes to prove that Lloyds will try it on, and as the other posters have said will try and scare you into submission, don't let them!
I hope that this helps you.

furrypaws_2 · 9 June 2007 at 8:09PM

I've been with Payplan since December... Lloyds TSB finally acknowledged my arrangement with them LAST WEEK!! up until then, they said they hadn't heard anything (even though I've made 6 payments to them via payplan). Payplan said that Lloyds only have a very small department dealing with payment arrangements (and this is the only department within lloyds that communicate direct with PP) so letters and instructions take a long, long time to get through (around six months by the look of it!) in the meantime, you are put on their calling lists. If my experience is anything to go by, this means around 8 telephone calls a day and 2 inches in a file of threatening letters.

I was assigned two payplan reps (one for legal stuff, the other for general queries). They have been great - I phoned when I got a solicitors letter (scared the hell out of me) and it was all sorted within a couple of weeks after that. I have to say, PP have been brilliant throughout - if you can't get hold of them, they'll get back to you if you email via justabank.

Hope this helps!

lovelybirchtrees · 13 June 2007 at 4:52PM

HI everyone

Just wanted to let you know of my little success in dealing with LloydsYSB and Payplan

I have been trying to convince Lloyds tha Payplan has sent them the information on my change of circumstances (Aug 2006!) to no avail. I have faxed all the information to the various numers Lloyds gve me, trotted info to the branch, spoken to innumerable people, requested information to be sent by payplan innumerable times... Anyhow having found that I am now £3500 deeper in debt than I was according to payplan and almost totally Lloyds, I have been phoning both daily for several days. Finally today Payplan agreed to speak to lloyds rather than just use the casenote system. Lloyds had been asking for Payplan to phone but PP had said Lloyds head office asked them not to do so. I pointed out to PP that I was in between a rock and ahard place if neither would give in and communicate. I was told the information had been sent and I just needed to be patient. I pointed out this was difficult as my debts to Lloyds were going up daily.

Anyhow to cut a long story short, my PP rep did phone Llloyds and at least for the moment charges and interest are frozen. I was underway to claim bank charges but couldn't aford at this point to have LLoyds want all their overdraft back at once. OH is going for an IVA (scheduled for August) and then maybe I can resume.

Any further suggestions helpful but I needed to share this bit of good news.

XX lovelybirchtrees

What to do if your Payplan Rep is rubbish???

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