Hi All my ex an I were in interlocking IVAs, mine has completed and I have received my CC, my ex's has now completed and just awaiting his CC. We had a car with a loan (it wasn't car finance)from a well known company, my question is...now the IVAs are completed, when can we sell the car and if a HPI...

Hi
I use compare the market. Somewhere along the process you are asked the question if you want to pay annually or monthly then the quotes that come up have both payment options. I have paid monthly throughput my IVA with no problems.

Hi Ella02 Keep on at them. We have interlocking IVAs with Aperture and anything I have needed to know I have had to contact them...my last payment was in December 15 but I only knew by seeing that it said final payment on my bank and so i phoned them and was told congratulations your case is now clo...

Hi All Can interlocking IVAs at the same property have different outcomes? I found out yesterday that my IVA has officially been closed on the 11th March......yay....(I only found out by contacting Aperture to see what was going on despite them telling me in February that I would be emailed with the...

Hi When we went for our IVA, the company we went with actually advised us that Nat West would let us open accounts with them. We told the Nat West staff and there was no problem at all. I opened a savings account as well as a current account at the same time. Can honestly say we've had no trouble wi...

Thanks Lisa I phoned them again this morning and was told the reason that we have another 12 months put on automatically is because in month 54, I never sent back any valuations or redemption statements........this it total rubbish as I sent 2 valuations along with our I & E forms by guaranteed next...

Hi I have just checked our paperwork for each of us and it does say "if the equity in the home is under £5,000, it does not have to be released, and there would be no adjustment to the IVA term". I have drafted my email to them, got 2 more valuations, one being their preferred user, got my secured l...

Hi there, That's what we were led to believe and yes it is a joint mortgage. Am just waiting on a redemption statement from mortgage co so I can email it with my new valuations, (which are now actually 4k below the ones I sent last time, therefore, bringing it to below the £5,000 each now that they ...

I contacted Aperture this morning as my ex partner received a letter stating that as there is no equity in the house, he has to pay 12 more months. My letter has not come yet but I assume it will say the same and if that is the case legally,and if its not just Aperture trying to pull a fast one then...

Thanks to you both,

I'm with GT too so maybe expect it at the end of July beginning Aug but as I said I wont hold my breath.

Hi All

When I do get my CC through (and I'm not holding my breath) is it a standard letter that everyone gets or is each IVA company different in the content of the letter and what details (if any) does it have written in it, such as when the final payment was made etc.?

Thanks

Hi Lisa Thanks for your reply. I have been on to my mortgage provider this morning and 'we'(with ex partner who is also in an IVA and who is co owner with myself) currently owe give or take a & or two £109,616 on the house and the online valuation I did this morning with Zoopla who I believe Apertur...

Hi all

After reading that a lot of people have 6 year IVAs, I wonder... if there is no equity in my home (which I'm sure there isn't) will I be asked to pay for another year to compensate for there not being any equity to release? I have just paid my final payment of 60.[8)]

Thanks for any replies.

Hi Kallis3

That's exactly what I said to my partner this morning, Just in case !!!!
Will be happier when I have the CC in my hands but I wont hold my breath for a speedy response.
still over the moon though...
[:D]
Thanks again to all.

Hi Contacted Aperture and yes, the IVA last payments are the 'final' ones. The guy explained that the closures team will now make sure that all payments have been made etc, and if there is any equity over 5k on the house, they will let us know. I am 99% sure that there isn't with what we owe on it s...