Payplan complaint with FSO

[citizenB]

If you could let us know what the problems were with the IVA/PayPlan, we stand a better chance of advising.

[shortwoman68]

The issues with the IVA are:

Ø They requested my last 3 wages slips and came out with an amount that I never received.

Ø The council tax was higher than they have statedveven though I provided them with the amounts that I paid and they had me down as not having rent arrears even though I informed them that I had.

Ø The rent at £450 which was fine initially however it was then increased to £510, an increase of £60. My Council tax was placed at £75.13 however I told them it was £121, an increase of £45.87. Total increase of £105.87. They stated my surplus as being £181 then after 5 months £228. However £181-105.87 = £75.13 after 5 months is £122.13. I was told that this would be passed to the Supervisor but nothing changed.

Ø I told them about my situation with sick pay and not receiving full pay however they informed me that they would take this into account but they never did.

Ø When I was off sick from work for 3 weeks and had to claim benefits, I received half pay but was informed that I still had to pay the normal amount which was impossible. This left me in arrears which I was unable to pay.

Ø I constantly received letters from a preferred creditor which I was told to pass onto them for them to contact regarding the IVA. After I received a Claim form and I informed them about it, I was informed that they were not included in the IVA.

Ø I told the Case Officer that I was finding it difficult to keep up the payments however I was informed that as I had just started the IVA they could not make any changes.

Ø I noticed that some of the amounts stated that I owed creditors are incorrect and there are differences from £30-£1000. Eg. I owe the Open University £229 however on the IVA it states £329.

Ø They added creditors that I have not given them as I dispute that I owe them money.

[citizenB]

Ok, so basically, the statement of means was a work of fiction even though you provided the Case officer with correct figures ?

 

You might need to make a Subject Access Request - in order to obtain all the data in connection with the IVA and your history with PayPlan.

 

Meanwhile, I will flag your thread and in particular the post above to see if other members of site team have any suggestions.

[shortwoman68]

Many thanks. I appreciate your advice.

[IdaInFife]

yes sar would be needed to see what details they have to help you with the claims you are making

[shortwoman68]

I found out the information was incorrect when I decided to look over the documents that I received from them after agreeing to the IVA. I know that I should I looked over them before, however I did not think that after provided them with all the information that they would have then added information that I did not give them.

[Conniff]

I'm a bit bemused here, how can they add information you hadn't given them ?

[shortwoman68]

Yep they did. I had a debt which was placed with a debt collection agency. This agency also had another debt from another company which they stated that I owed. I disputed this with the company and did not know it was passed to this agency until I saw it on the IVA creditors list. When I complained to them, I was told by the case officer 'well you can just pay it as they will not get all the money that they want anyway'. To which I replied 'no way, as I am disputing the debt' and further more I did not tell you about this debt in the first place so it should not be here!'.

[shortwoman68]

I know that this is probably not a easy question to answer but does anyone have any ideas on what I can ask for as a remedy when I complete the form for the Financial Ombudsman Service. I was also told that it was not 'missold' as it was not purchased, so I need to change it to 'misled'. I need to send back the form as soon as possible. :???:

[Conniff]

How about a set of saucepans.

[shortwoman68]

Constructive comments only please!

[citizenB]

I think all you can ask for is that the IV is prepared correctly - if there are any problems with creditors, then they should be addressed by PayPlan.

 

I doubt very much there will be any monetary value in the claim.. possibly £300 - £500 as compensation for any inconvienence / expense you may have incurred.

 

What you want is for any wrongs to be put right and for your IV to work properly.. is all I can suggest.

[Bandit127]

Wholly agree with CB's advice here. What you need is a working IVA with proper allowances now and adjusted as you go forward.

 

£300 might pay for Christmas but the effects of an IVA successfully concluded will get you many more happy Christmas' than just this one.

[shortwoman68]

Thank you both for your constructive responses. I will put this on my forms.