Hi everyone! 4 months to go and hoping to end our IVA journey! BUT... never heard anything from Aperture since I sent their request of documents: Updated I&O; Online Valuation of our home and an Up to date redemption of our mortgage last 1/24/18. Last 12/2/18, I tried to ring and managed to speak to...

Hi to all! Need your expert advice as always. I patiently waited to hear from Aperture. So far, only an email welcoming us is what i have received 17/10/17. Am concerned as we were due with our annual review last September and we are 9 months away (plus 12 maybe) from being debt free, hoping that wi...

Hi! I managed to get find number of Aperture, this may help other DFD customers, 03339397919. Spoken to customer service lady name Joan, helpful and reassured me not to worry and to expect delays as Aperture have no full access of all DFD customers yet. Took my number,and say they'll get in touch, j...

Thank you Foggy. Now, I have tried tracking the documents I posted last 3rd October, and they are being returned to sender(me) according to postoffice trwck and trace. But as I mentioned in my post here, the documents I sent 28th September were received and signed by a A.Hill on the same address I u...

Hello again! From my last post of hoping to offer F&F, things changed. So my husband and I decided just to continue paying our IVA as we only have 10 months plus 12 months maybe due to the equity in our mortgage. As always, there is an annual review being done,request for Annual review letter receiv...

Thank you so much Foggy. I will keep you posted.

Thanks again! I was told that not following up claims of PPI will delay completion of IVA is that true? Does this apply even if F&F offer is offered and possbly be accepted? I was alao told that I should get proper valuation of our house too for possible remortgage or 12 months extension, as written...

Thank you Foggy for your advise. Would £7k be reasonable offer if we put the offer in writing by May? Considering we are continuing our payment until that time? Also with regards to PPI claims, my husband and i received forms Equity in Finance with regards to claims in which we signed and sent 21/5/...

Hi everyone! it's been a while since my last post...I again need intelligent advise from experts like you... My husband and I have joint IVA started in Nov.2012, we had 2 episodes of payments breaks that is why instead of 60 months, our IVA is set to 70 months. Currently, we have 16 months more of p...

I have entered iva for a year now, and am on svr repayment with my mortgage, can i change mortgage bank company? I am with santander at the moment,were they are one of my creditors, may i try to apply to my current bank? Do i need to ask my IP before doing this? Many thanks.