Not Happy With Payplan

skibadee

I've been on DMP with Payplan since Fenruary, was paying £359 a month, but due to the fact that I was off work for a week at beginning of the month and the cost of certain things ie., electric, food, petrol have gone up I ammended my budget accordingly saying it would be temporary for 2mths...payments were then adjusted to £199 from 1st July.....payment of £359 was taken on 1st June..checked my Justabank and Payplan have only distributed £199.....e-mailed them...they said that as I ammended budget on 6th of the month they adjusted it from June..consequently creditors have not recieved their pro-rato payments from £359 but from £199..asked where the other £160 was...they said i can have it refunded or distributed to my creditors.....why then when they rang me regarding my budget ammendment didn't they tell me all of this!!!

rayday2

They have told you now though - just choose which you want it refunded or given to your creditors.

skibadee

Not as simple as that I feel as I have already had a letter from Barclaycard saying they are not willing to accept the new offer of payment...approx.£1.24 on £338 debt...and will only accept £5...so now I fear the rest will follow suit.

10past6

skibadee wrote: »

Not as simple as that I feel as I have already had a letter from Barclaycard saying they are not willing to accept the new offer of payment...approx.£1.24 on £338 debt...and will only accept £5...so now I fear the rest will follow suit.

So, forward any letters on to Payplan.

Creditors / DCA's can't ask what you don't have.

skibadee

I am informing Payplan today.
Also have appointment by telephone with CCCS regarding possible IVA.

rayday2

Have you read through martins guide to IVAs? Also in his email this week he had advice about them.