I have paid off my iva in march with aperrure and was told it would take 6 months to sort out it has now been 8 months and still no completion paperwork.i called them and was told they cannot give me a completion date as one of my debts in disputing payment.? What can o do to get this sorted out im just being given no answers. I need to sell my house and until i het paperwork i cannot go forward
Unfortunately little you can do until Aperture can get the final claim agreed with your creditor. Without the completion certificate you won't be able to move forwards.
I would keep ringing every week to 'hound' them in the hope they quicken their actions for you.
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
We had a similar problem back in 2016. We completed in Aug 16 but by Dec still had no CC. I posted on here back on 14th December - you may want to search my posts, and whilst your situation may differ from mine, it was what Michael Peoples responded with below that actually got it sorted. I used his wording and we had our CC Jan17. After my gazillionth e-mail / call to Payplan, they gave Natwest a time frame and then said to me if they did not respond they would issue our CC. I believe Natwest came through and as said all got sorted. Had it not been for Michael's help / advice god only knows how long we'd have waited. Good luck
Michael Peoples » 14 Dec 2016 10:24
This does seem a little odd. It is easy to exclude a creditor if they do not provide details of the debt but it appears that NatWest have been asked for statements to back up their claim. This evidence should have been on file when the original debt was listed so unless there is some form of dispute between Payplan and NatWest I am unsure why the file cannot be closed down. Ask Payplan why NatWest have not been excluded and why Payplan are insisting on statements.
IVA started Sept 2012, Full & Final accepted Aug 16th 2016 & CC issued 10th Jan 2017
Assuming the creditor is disputing the amount of the claim the IP must send them notice rejecting the element of claim they disagree with. The creditor can then apply to Court for directions.
Ask the IP what the dispute is about and whether they have sent a formal rejection notice to the creditor.
mark252 wrote:I have paid off my iva in march with aperrure and was told it would take 6 months to sort out it has now been 8 months and still no completion paperwork.i called them and was told they cannot give me a completion date as one of my debts in disputing payment.? What can o do to get this sorted out im just being given no answers. I need to sell my house and until i het paperwork i cannot go forward
Hi, I completed my iva at the beginning of July and have yet to receive any completion documents!Emails go unanswered but unfortunately for me I'm aware aperture routinely take at least 6 months to complete.I paid my iva for six years with no issues and my own personal opinion is 6 months is an absolute joke as a closure time frame. In your case I would raise a complaint with the relevant governing body .
