Hi Foggy,

Thanks thats what I was thinking, which is what I had to sign before I got my certificate. Don't worry, I will keep on at them as its too much money too ignore, for me anyway. Thought I was seeing things when the letter came through.

Susie

Just to add to this topic - My IVA fnished in June 16 and I've now just received a letter from my old bank to say they are paying out PPI on 2 old loans and a credit card and its upwards of £25k - they have said in the letter they have sent a copy to my IVA company as I was previously in an IVA and ...

Thanks Foggy - If I could retire at my age I would ( 44 ) - I will certainly consider a 4 day week though once I start looking for something new....my plan is to find some day to day office work - typing, answering the phone etc. I won't be going back into Management! Had more than enough after 17 y...

Whew - Thanks for the reply Kallis, I finished at the right time as the redunancy has been looming since April 16 when we were told the office would be closing.... I did think that would be the case but always nice to check with you guys too :) So I can look forward to it now - taking a month or so ...

Hi - sorry - not been on here for a while and it's all changed - I couldn't work out how to raise a new question so I am tagging it onto my last post from last year.... Got my CC last June ( 2016), everything has been going great since but I am now going to be made redundant within the next 6 months...

Well Done on finishing, it's a great feeling!! I like you got my completion certificate very quickly too so you know it's all over.

Good luck for the future!

Thanks all - it's a very good feeling as most of you already know!

Happy days today - Received my Completion Certificate from Aperture just 2 months after my last payment! Delighted is an understatement! It doesn't seem like 5 years since I started it but very glad it's over. I've been sensible and I still put my monthly payment away each month but to my savings ac...

Well done - enjoy the extra money you have now. I made my last payment in March this year and have since put my monthly payments into my savings!! I've never had £800 in savings ever & it will just keep going up now!
Hope you enjoy the freedom now - the 5 yrs are worth it!!!

Congratulations on finishing, and save well for that holiday - you will have a great time and enjoy it! I am same as u, just waiting on the final part - i've made my last payment and its weird this month having £400 spare! but it's going to my savings account every month. I've never had savings in m...

Email from Aperture today to say I don't owe anything additional from my final I&E and they have passed my case to their closure team, finally on the last leg! And I have to say Aperture were great on the phone yesterday, very helpful! so thank you. i hope the closure is as quick as the rest!

Pleased to say that Aperture called me this morning and I've also now received and returned my final I&E forms, payslips etc etc. Also good news that I've made all my payments so I was able to cancel my Standing Order today!!!! Which is excellent as I thought I still had 1 payment to make. So just n...

I am in rented through a housing association so there is no equity to sort...I will try again this week...

Should say not even a non reply....or non deliverable from either Cleardebt or Aperture.....via email so it must be going somewhere!

Thanks Foggy - it's so frustrating as Cleardebt have been great and always on time for reviews etc. When I've called - i get told they will get back to be, then nothing. I emailed again on monday last week, got their auto reply saying they would reply...nothing yet!...I have emailed my last contact ...