Congratulations we completed with th apeture back in November and got our cc early January . Life post Iva is good we have clear credit ratings even treated ourselfs to two much needed new cars with main dealer finance for both of them ( both payments less than our Iva payment) And next month we hav...

Yay we got it!!! Really pleased to be rid of our two "old bangers" we have purchased two new cars for less than our Iva payment with the peace of mind 1. They will start[:D] 2. Both have service plans and warranty in place for 3 years so no more extra needed in paying out for repairs, car tax is £20...

We managed to get bmw finance on a used car and today submitted a request for Nissan finance on a brand new car!! ( no news back yet if we got it) but have credit score of 988 so fingers crossed!!!!
Our Iva completed Nov 15 but was 6 year so credit files clean within a month!

Hi We where in same situation as yourself ( well 2 payments left on Iva) our car became terminal and we needed finance for a new one. Moneybarn was the only lender that would touch anyone in Iva so yes interest rates are very high but no other option!! 6 months on and now out of Iva and cc issued wi...

Hi I received my CC earlier this month, our Iva finished in November but December came and I chased things up ...........ended up having a meltdown on the phone as expected cc time was 8 months!!!! Tbf girl on phone very supportive and pushed for closure!! I today have received my Iva interest money...

Hi my car went boom 3 months before our Iva was due to end. We were with aperture and managed to be accepted for finance through money barn !! Yes the interest is high but I explained no car = no job!! I plan to completely clear my credit files then re apply for a better finance deal. I think a lot ...

Merlin Tbh I had forgotten about the ppi but when I spoke to them on the telephone the other day they asked for my bank account details as ther said I would have payment within 2 weeks. Although pleased it's all over after 6 long years I'm still upset that 4 of those years they insisted my work expe...

Hi Had my CC TODAY[:D] ppi interest claimed from ppi was £1152.45 but GT only paying me back 414.75! They say they had deducted costs but that like 60+% costs to GT!! Is this correct. Only one claim from one company who we claimed the money back on behalf of GT the total paid into iva was £12545.43!...

Thanks Lisa I will take a look.

Most defaults have dropped off already have two that will drop off this month but still 4 not until March so want them clearing off so I can rebuild my rating ( just incase my other car goes boom!)

This forum has been a great help through the dark days if Iva!!

[:)] well after 6 years 1 month 2 weeks and 5 days had the best phone call this afternoon to say congratulations your debt free[:)][:D] We should receive our cc in a few days! We started out with Blair endersby then transferred to GT and most recently to Aperture. We have our ups and downs had our I...

Hi at last after 6 years of ups and downs we made our final payment last month. Was expecting some contact from gt but none so earlier this month I phoned them up to find out what happens now.......... They said they will send me out a review pack as final review needed with a timescale of 8 weeks t...

Thanks I thought it was strange!! But just wanted to check if GT did this first as I have no idea why it's been taken out and after all this time still don't want to spill to the bank we are in an iva!!

Thanks for your advise

Hi our iva is due to end on 17th November after 6 long years [:)] Today is pay day and on checking my account and DD I noticed the land registry have taken £3 out of my account! I have no idea why???? Just wondering if it has any connection to the near completion of the iva with I think it's called ...

Hi I have 3 payments left on my iva (after 6 long years) and unfortunately it's looking like my cylinder head has gone on my car!! Repair quoted at anything between £800-£1000 and been told by mechanic it's prob the first of many things to go in my old banger car is only worth around £1200 if I coul...

Hi I've received a letter of GT today informing me they have been re branded and are know known as Aperture !!! Any body know anymore about this! I'm not sure if I'm excited or nervous I only have 3 months left to go (6 year Iva) i so want/need a swift end to all this and really want my cc ASAP post...