Additional income payments

headstuckinsand

Sorry if this turns into a bit of a rant but frankly I'm p#ssed off. I'm at a low point right now and feel like jacking the whole bloody thing in.

I'm with payplan and up to now they've been pretty good. Every three months I send in my payslips and every three months I get a response back saying there's nothing extra to pay. This is bearing in mond that during the first 12 months of my IVA I got a payrise but this was not taken into consideration until my annual review.

Back in July I put in for a promotion at work and before hand I emailed my case officer to confirm whether getting a salary increase would affect my payments. She confirmed back "If you were to receive promotion or a pay increase this would not be taken into consideration until your annual review ."
My case officer was changed (for the 3 or 4th time since I started!) shortly after that.
I got the promotion and pay increase in August.
I sent in my 3 months payslips as usual at the end of september but this time had a demand back for over £200 within 14 days. When I questioned this with my new case officer she has given me a breakdown basically stating I need to pay 50% of the increase. This is what she put "there won’t be an alteration to your planned payments (as mentioned by previous case officer) this is in reference to your monthly contributions into the IVA, however you have earned additional to your income in your income and expenditure review. Therefore to make sure you are complying with paragraph 8(5) of your Court Papers an additional payment has been requested."

So the long and short of it is I'm really confused about what's going on. Can I challenge this or did my previous case officer bollox it up. I dont have all the money available as I was working on the assumption I could keep it. If I'd been told differently I would have saved it.

Anyway rant over now. Does anyone have any suggestions.

FoggyBrain_2

Hi. It appears that Payplan are doing this to a number of their clients. It is normal practice to only increase payments due to a pay rise during the year at the annual review and not to back date it ... as PP have been doing up to now. However, for some reason they do not seem to want to share, they are now back dating the liability due to increases, and, so far, are sticking to their guns!

headstuckinsand

Thought I'd give you an update. I challenged the request for additional payment as I had an email trail from my previous caseworker stating that my payments would be unaffected. This got passed through to Payplan's compliance department who on speaking to me confirmed that their procedures for payslip reviews had been updated but that I hadn't been informed correctly. Therefore as I had not been told I needed to save the money I was allowed to keep the sum they had requested. Result!!:j
Obviously though I will need to save the 50% extra income for future months though

FoggyBrain_2

Well, a bit of a result. I am but a mere mortal, but I would have hoped that they applied their "new policies" to new IVA's and stuck to what was originally agreed at the outset of existing IVA's. Moving the goalposts mid-game is not on. I have taken up this issue (amongst others) with an IP at Payplan, to no avail (not that they are going to listen to me!!).