May I ask a question about this - if an IVA company does not comply with the 6 months admin time to close an IVA following final payment and an inheritance / windfall happens following that allocated admin time would this still be due to the IVA - this suggests that companies can increase their cha...

May I ask a question about this - if an IVA company does not comply with the 6 months admin time to close an IVA following final payment and an inheritance / windfall happens following that allocated admin time would this still be due to the IVA - this suggests that companies can increase their chan...

Gosh juju I don't think I am in the same situation as you were at all - I won't be making a complaint I have nothing to complain about - I believe a generic letter has been sent to me in a situation it doesn't apply however easily sorted and I am grateful to Shaun for the offer. There was a time I w...

Shaun Vickery wrote:

If you would like to email me privately I will have this checked out for you.

Ok will do - thank you - I will email you some copies of the correspondence also if that would help ?

Yes this was definately the reason it was extended - the original IVA term was 60 months , 72 now completed I expected this to happen anyway as I had More than £5000 equity so I had 5 X mortgage rejections 3 of which I submitted and I have the letter accepting these rejections and therefore adding o...

This has happened several times recently and seems to be some sort of admin mess up at Aperture. Give them a call and challenge it. Thank you I have just emailed them confirmation of my rejection to remotrgage at month 54 their acknowledgement and also a letter they sent me outlining payment for 12...

Ps I am hoping this is some sort of computer generated latter that has kicked in as my last payment has just left my bank ????

Please tell me this is a mistake - payment 72 has just left my bank - I had a 60 month IVA and at month 54 the equity release clause kicked in - I got rejected from. 3 high street banks and have now paid an extra 12 months as defined in my terms and conditions in lieu of equity . Today I received a ...

A permanent pay rise during the year should not be taken into account until the review following the rise and any increase only after that review -- so I doubt that there would be any extra required in that regard. The six months is usually counted from the date of the last regular payment and Aper...

Hi guys - I have now completed 72 payments (an extra year added in lieu of equity). I have steadily had pay increases over the 6 years and my repayment t o IVA. has steadily increased in line with this. I have had a pay increase during year 6 too so am I right in thinking on my final review before c...

You can - I became a director of a limited company whilst in an IVA September 2017 . I got accepted onto the board and into companies house no problem. I did have to declare the IVA though and I voluntarily gave my reasons that I ended up with one. You can't however become a director if you have pr...

You can - I became a director of a limited company whilst in an IVA September 2017 . I got accepted onto the board and into companies house no problem. I did have to declare the IVA though and I voluntarily gave my reasons that I ended up with one. You can't however become a director if you have pre...

Yes than you very much , to my knowledge they haven't read my emails at all as I haven't had a response to thiose which is why I rang and this is a result of the phone call . I don't have another annual review but a final review in March , I will keep pushing I am just worried March will come and t...

Yes than you very much , to my knowledge they haven't read my emails at all as I haven't had a response to thiose which is why I rang and this is a result of the phone call . I don't have another annual review but a final review in March , I will keep pushing I am just worried March will come and th...

Yes that's what I thought too but now I am a little stressed - I have emailed them saying I haven't had a change in circumstances and I just want to let them know of increase in income so I hope they understand why I haven't filled in the forms