Enough is enough. My last payment was January 2016. ↳ IVA creditors meeting soon: wish me luck! | Read 61-80 Reviews out of 70 Who do we call from now? You could look into offering a full and final offer, based on the remaining payments plus 12 extra in lieu of equity, via your IVA provider. My Iva was taken over by Aperture I was originally with Debt Free Direct, I have had nothing but problems with Aperture, I requested a settlement figure 3 months ago as I am selling my property in the end I had to complain about them and told them I had put a complaint in against them. As mentioned above, Aperture still manage the closed case IVA trusts and can be contacted on IVATrusts@aperture.uk.com for an update. And if communications with the new firm do not go well, there is no independent Ombudsman you can appeal to. Should i ring my 4 creditors up individually and ask them if they are willing to take X amount to accept to close the account and then contact my IVA company to say the debts have been settled or do i let the IVA company know and get them to ring my creditors ? Can anyone please advise re: my IVA with Aperture (and now JI)? Should I still wait until the next deadline for submitting expenses in 2020/2021. Since I do the photography for a weekly newspaper, I have thousands of photos and … I rang Ebengate yesterday and the dialogue i had was with a clueless and totally unprofessional women who simply did not know what she was talking about. So I can’t honour any amount of payments until then…. I am afraid 6 months is Aperture's usual timeframe! There are lots of different ways this could go in the future unless he gets a job paying the same amount pretty quickly. Where an IVA has closed, ie the final report and certificate of completion/termination has been issued, these were not transferred to Jarvis Insolvency. I spoke to them (cold) a couple of weeks ago. I’m 61 Are either of you key workers? I suggest you phone back and if you do not get a better response, you ask to speak to a manager or to have a manager call you back. Just keep copies of everything victor,it’ll be on your banking information. The problem is that IVAs come under the insolvency Service and not the FCA. i`m tempted to just progress the matter further with MBNA because what can Jarvis actually do to me. I have just received a letter from Lloyds bank saying that a ppi payment of £2,789 has been paid to aperture,I also wasn’t aware that they could and did do this.. Oh dear. To follow its progress, choose Window > Show Activity from the menu bar. This is a total and utter disgrace and yet another example of the FCA not really interested in those in debt. Under what circumstances does this happen? IVAs that have already closed whilst with Aperture Debt Solutions remain with them. When Apple can no longer gouge its customers, it drops out of the market. Question: Q: Aperture Problem. ok then probably you would have been much better off going bankrupt, if you didn’t qualify for an IVA. A lot of profit in misery!!! Well if you were in an IVA any PPI refunds should go to your IVA firm. I am self employed with no support from the government and had to stop my business for he schooling, my husband has worked from home mainly since April so no furlough. There a very high probability that hubby will be made redundant by xmas aswell as 133 ppl are being made redundant. It sounds as though you two have been through a lot over the last few years. I paid that and am now waiting for them to finalise a further year of payments as I can’t get any money out of my home.. It is that context that needs to be challenged. – is the house in joint names? But there is nothing you can do except cross your fingers and hope yours goes through ok. We took an IVA with vanguard in May 19 and everything has been fine, paid every month no problems but we had no contact about our annual review until September when I was told by Ebenegate that we should be paying over £300 instead of £117. Without proper support, some customers may not realise there are options that could allow their IVA to get back on track or to complete. If these people are getting you down, telling you lies, not returning your calls- copy the Insolvency Practitioners Association in London into everything and make a formal complaint to them. With the settlement offer, your creditors will get 3500 less, With the fully paid option, you pay more and your creditors get paid more. Get debt help now Log in. Which means we are now over 6 months post end of our Iva which was 6 years due to equity in our house. Not once have they replied to me since the end of August 2019. What I didn’t put in that article – because it was getting too long and complicated – is that the FCA also said they had to pay particular attention to customers who may be vulnerable – with both your health problems and your age, that is you! The process took 5 days. I owe over 12k to my creditors (4 in total). I have also registered a complaint re possible breaches of the data protection act as it would appear Aperture instructed First Dispute Company and passed my details to them. Freephone (including all mobiles). they will be getting little or no interest from this, but they probably hate to pay out money when it can be sitting in their own account! I am very upset about it. I am honest in my I&E’s and everything matches up to my bank statements so I haven’t made up any expenditure anywhere. I moved manually my original pictures folders that I had used in Aperture for project in an attempt to classiify them better. In their letters to me, MBNA have already stated that the LOA (Letter of Authority) that was provided to them did not meet their requirements……………yes, because it did not have my signature because I never gave anybody permission to send a LOA to make a claim in my name. It seems clear from what you have said that if your husband is made redundant, then not only would you be unable to release equity but you also could not manage the standard alternative which is another year of IVA payments. They are just earning interest off this money aren’t they? People can owe money at the end if they have had windfall payments or overtime say that they did not report to their IVA firm. Notify me of follow-up comments by email. Hi And indeed closed, but without a Certificate of Completion your IVA is open. It just all sounds very dodgy. i have a mortage and have read that they may either extend my IVA by an eatra year or ask me to remortage my house to make final payments to my creditors. I owed £13k to 6 creditors. On your point of being unable to object or influence being ‘sold on’ as a commodity, I find it egregious that those in an IVA have, effectively, no voice once they are ‘hooked’. I’m so fed up. As a general policy we don’t email, text or call after each payment is received. Had you made the claim for a PPI refund or did Aperture? – if your husband is furloughed, has it been hard making the payments? I will keep you posted (any further advice btw). Yes sorry it was 6 years because of how much we owed and the credits requested it. At Aperture IVA Insolvency Practitioners, we … I can confirm that only active IVAs were transferred to Jarvis Insolvency. Both our names I’ve downloaded the portal their now sending us but all that is asking menus to download files ( no account details and no way of just messaging them via it) “a high proportion of complaints are about Individual Voluntary Arrangements (IVAs), in particular in relation to delays in the closure of the arrangement due to the supervisor of the IVA claiming Payment Protection Insurance (PPI) refunds”. I have since made two more phone calls to Jarvis and both times have not been given any real information on what I can do. There is no mention that the IPs have changed so Vanguard remains responsible for these IVAs. It just seems reasonabls to me if I explained to the mortage advisors I was missold an IVA, am not in any financial difficulty whatsoever anymore and havent been since those missed payments in 2018 when I was earning a pittence – would that make a difference? On July 2018 we started 6 yers IVA with Vanguard and now is sold to Ebenegate .After a few phone calls about Can they extend our IVA, and why would they ask for more than the review amount. We’ve just had a letter from Lloyds bank saying a ppi case has been paid to aperture via a claim from first dispute.. Aperture IVA were starting to develop thinking on how the debt advice process might be enhanced to help clients develop skills to better succeed in their debt solutions and improve longer-term financial resilience. Just cant believe that I am now earning good money, cant get my way out of it and wont be able to get a mortage. In Autumn 2020 two of the largest IVA firms have recently announced the latest in a long line of customer transfers within the industry: UPDATE: In February 2021 Jarvis rebranded and it now calls itself Debt Movement. Be sold to Jarvis Insolvency and an Order made in the Leeds County Court IVA! 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