Payplan

in-debt

I have had a debt managent plan with Payplan for over two years. Lately I have started to receive letters from the creditors stating that payments are being made late to the accounts. I have spoken with my creditors and they have also informed me that interest has started being added again as they need a new financial statement (which normally goes in every six months). I am frustrated with Payplan as when I ring it takes ages to get through or even if you decide to leave a message they dont ring back. I am logging onto the https://www.justabank.co.uk and there is no information to my left voicemails.

Payplan are stating that they have sent the financial statements out and the creditors are stating they have not received them. I am thinking of pulling them of Payplan and paying the creditors myself.

I know Payplan are very busy but I feel that I could do better myself. What advice can anyone give me regards to this.

fatbelly

I usually start from the position that creditors = liars.

Personally, I'd stick with payplan. If you think creditors are difficult now, they'd probably be more difficult if Payplan are taken out of the equation.

You've clearly had some contact with Payplan as you say 'Payplan are stating...'

OFT guidelines say that your creditors should be dealing with 'your appointed intermediary', not direct with you.

System

Usually the creditors will send you a letter asking for a review. Let Payplan know and they should send your SOA to them, wherupon they should renew your agreement to renew the interest. The justabank email is working, they are incredibly busy as Im sure know and will inevitably take some time to reply. Im surprised that you are taking such a loing time to get through. I presume that you are using the number on your justabank account (just under where you send an instant message)

in-debt

I have rang the number which is under the instant message on the Justabank website. They have rung me back and they are sorting it out for me. They are going to request that the interest charges are frozen and the late payment charges are refunded back to my account. The late payments are also getting sorted out aswell.