Can Payplan do this?

BillBob_3

Myself and my wife are both in an IVA with Payplan. My wifes wages vary due to shift work. When initially setting up our IVA we were told only her basic wage would be counted and only overtime or bonuses would require us to pay more. Now 17 months in and Payplan want to start using an average net pay and are asking us to pay an extra £495 for the last 3 months. Are they able to change the way they assess my wifes wage like this?

FoggyBrain_2

I imagine they can do what they wish, within the terms of the IVA. Unfortunately how they assess wages isn't referred to in the document!.. I would, if I were you, take this up with the IP personally, rather than dealing with your caseworker. If you get no joy, ask for details of their regulators as you wish to pursue a formal complaint.

BillBob_3

Thanks for that. I didn't get very far with our case officer and have asked for a written explenation of why we have to pay more now, when they've previousley carried out 5 wage slip reviews and not asked for any further money. My wifes wage is no different now than when the iva began. I also asked for a complaint form.

chirpychick

The way i understand it is if they base it on an average income and you go over that by a percentage you have to declare that amount and pay a certain amount into the IVA - which is very clear on the documents. You are also told to declare this at the time to save future big bills which looks like what has happened here. You are binded to repay any extra money.
I hope this helps, sorry if ive misunderstood.