Not happy with what I have been told

[Foggy]

I am with aperture I phoned step change to get some advice

Think I am cottoning on now ---- how many payments did you miss ? It is standard practice, and part of the agreement, that three missed payments, without agreement, is a fail.

If they haven't issued the termination notice yet, they might be able to save it. If they can't or won't, you will have to wait for a couple of months for the paperwork to go through.

[rachel655]

I have missed more than three payments but what I said is why did they fail it 2 days early

[Foggy]

I have missed more than three payments but what I said is why did they fail it 2 days early

You need to ask them that. Are you both using the same start date for the 7 days notice they gave you ? They could be counting 7 days from the date the letter was sent and you might be counting 7 days from when you got it --- only guessing as I have no information here.

[rachel655]

They are going from the 6th of the date of the letter but it failed on the 10th that is only 4 days not 7

[SteveUK]

They are going from the 6th of the date of the letter but it failed on the 10th that is only 4 days not 7

Would you have been able to catch up the missed payments on those 2 or 3 days?

[rachel655]

No because their did not get a payment from last year I will just sort it out when the paper work comes

[kallis3]

Why did you miss a payment from last year?

[rachel655]

It does not matter why I missed a payment I will sort it out when I get the paper work that I need

[SteveUK]

No because their did not get a payment from last year I will just sort it out when the paper work comes

If you couldn't have made the payments up what difference does the 2 days make?

[rachel655]

They should have closed it when they said not early

[SteveUK]

They should have closed it when they said not early

I'm obviously missing something here.

[rachel655]

I got told off who I am with it is closed but when I phoned step change for advice they said it was still active

[SteveUK]

I got told off who I am with it is closed but when I phoned step change for advice they said it was still active

Probably because the termination hasn't yet filtered through the system.

[Foggy]

I got told off who I am with it is closed but when I phoned step change for advice they said it was still active

With any firm it would show as active for a while (maybe a couple of months). Aperture, however, are not as fast off the block as many, so it might be a little longer.

[IVAconfused75]

I have to say, Foggy and Kallis3 are very patient with people on here. Especially when information comes in a very mish mash format....