Trustpilot DMP Payplan Scam Review Added.

We added our very own and live PLAYPLAN DMP Scams story onto trustpilots own PayPlans page and they did reply but failed to answer the questions as their internal scripts are outdated and useless. 

Trustpilot DMP Payplan scam review added a few days ago to help not just others in my plight but to help PP staff as well entitled, NEW PAY PLAN CLIENTS BEWARE!

Client Reference: 12645976
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RESPONSE TO PAYPLAN – ON 6TH JULY 2025
Thanks for the update. I appreciate the acknowledgement.

Just to be clear, today I was told by PayPlan that all DWP incomes are considered non‑protected. This doesn’t just affect me — it affects thousands of PayPlan clients, and it directly contradicts how creditors treat protected income, as well as FCA rules, CONC guidance, the Social Security 1992 Act, which is primary legislation (law of the land) and Consumer Duty.

I was also told “it was your choice,” which has now been repeated four times. In regulated debt advice, suitability cannot be shifted onto the client, so this wording is significant.

I’m more than happy for the case to be reviewed, but these points need to be addressed directly because they form the core of the issue.
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I’ve been with PayPlan for 14 years. During that time, my circumstances have repeatedly been assessed incorrectly, leaving me in a plan that was never suitable for my situation.

I am severly disabled from an industrial Brittish Shipbuilding accident in 1986 and always been on sickness and dissablement for life benefits and these are protected benefits in other words cant be used towards debt repayments of any sort.

Only recently did I discover and foundout its a severe breach of CONC 8.3.7; PROTECTED INCOME CAN NOT BE USED TO CALCULATE a SUPPLUS OR FUND A DMP.

Most concerning is that even senior staff have told me that certain DWP‑related incomes are “not protected” and can be used in a Debt Management Plan. This directly contradicts FCA, CONC and Ombudsman guidance, which clearly state that benefit‑based protected income should not be used for debt repayment.

After more than a decade of trust, I expected clearer understanding of basic regulatory principles and better governance. New clients deserve confidence that PayPlan staff fully understand what protected income is and isn’t appropriate for a DMP.

New PP clients can also check the 1992 act that describes these protected incomes in more detail or ask any AI system on the web.

“The Social Security Administration Act 1992 makes clear that certain disability‑related benefits are ring‑fenced and cannot be used for debt repayment. This aligns with FCA CONC 8.3.7, which states that protected income cannot be used to calculate surplus or fund a DMP.”

As a long‑term client, could PayPlan please provide the correct CEO or Compliance contact details? I want to ensure this matter is reviewed appropriately. This is important not just for me, but for new clients who need to trust PayPlan’s governance and responsiveness.

**“Could PayPlan please confirm for readers which categories of income are treated as protected under FCA CONC 8.3.7 and therefore cannot be used to calculate surplus or fund a DMP?

I received two contradictory written statements:
– ‘Protected income cannot be used to calculate surplus or fund a DMP.’
– ‘Benefits such as DLA are included as income within your budget assessment.’

Clarifying this publicly would help customers understand how protected income is handled.”**

New readers can find my very own DMP disaster story at the hands of PayPlan since 2014, my own 14 year PayPlan Story here.