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David Holmes

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Review of the PayPlan, Debt solutions:

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PayPlan Took Away The Dark Clouds and the Weight of the World!

In 2007 my debts got on top of me as the many 0% credit card deals of the 00s boom years dried up, just before the big financial crash. I recieved around 5 to 10 Red top letters a day demanding payments and eventually quite threatening persistent phone calls from banks until I was way too deep into a hole of financial ruin. I would spend 3 hours a day on the phone to banks. My bosses at work were noticing my breaks for calls and how upset I was getting. It was hard work to get the right team on the phone, I started to know all the banks phone menu options and hold music by heart. I would call to arrange a repayment deal but often the next time I'd speak to the lender they'd not saved the agreed plan or any record of the call and I'd be back a square one. Another trick banks pull is to gradually reduce your overdraft so any agreed repayments can't come out and then they charge you for going overdrawn ! and well as adding late payments. My debt was spiralling. It was hell and felt impossible on my own. I had no one to help me. I looked for help everywhere and there was little help available. I was sceptical of debt management plan companies as I had heard bad things about fees some of them charged. Not so with PayPlan, they've never charged me a penny and have offered a first rate service for free for all these years. They have a simple to use app too which makes checking everything a breeze. Ovee the years lenders have continuously sold my debts to companies who sell to other companies, each time with a different account number and reference - it's hard to keep up. But with PayPlan everything runs smoothly. Since being with PayPlan I have greatly reduced my debts through small affordable regular repayments, without having to go down the IVA or bankruptcy route. After 14 years my credit rating has already improved drastically and I have no stress of dealing with lenders. I sleep well and have my life back in control. I can focus on my normal day to day activities again and I no longer have anything to worry about. I recommend PayPlan 100%. Reviewed on: 7th August 2021

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