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by Tina21
Thu Mar 31, 2016 4:03 pm
Forum: Ask IVA Forum and Industry experts
Topic: Hi just got off phone to aperture regarding my equity, don't understand their calculations.
Replies: 12
Views: 2879

Hi Lisa I am happy with valuation as I go this myself It states in my husbands modifications by Kpmg Equity The amount of the net worth to be released will be based upon affordability from income and leave the debtor with at lest 15% of his net worth in the property Where it is appropriate to remort...
by Tina21
Wed Mar 30, 2016 5:56 pm
Forum: Ask IVA Forum and Industry experts
Topic: Hi just got off phone to aperture regarding my equity, don't understand their calculations.
Replies: 12
Views: 2879

Hi there
Has anyone got any template letters I can use as reference to my complaint
Don't know how to word it to sound professional
Thanks
Tina
by Tina21
Wed Mar 30, 2016 4:58 pm
Forum: Ask IVA Forum and Industry experts
Topic: Hi just got off phone to aperture regarding my equity, don't understand their calculations.
Replies: 12
Views: 2879

Yes I have the deminis wording but aperture seem to be ignoring what I've asked
by Tina21
Fri Mar 04, 2016 6:48 pm
Forum: Ask IVA Forum and Industry experts
Topic: Wondering if anyone can help calculate my equity figures ?
Replies: 9
Views: 3098

Hi Lisa Quick question also about equity . When I spoke to aperture I asked if the £5000 equity was between me and my husband and he said joint Funny that because our Ivas run alongside each other but we both have separate paperwork . And also received a mother letter today saying that I haven't sen...
by Tina21
Fri Mar 04, 2016 6:38 pm
Forum: Ask IVA Forum and Industry experts
Topic: Wondering if anyone can help calculate my equity figures ?
Replies: 9
Views: 3098

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Lisa Thomas It seems a number of issues have come to light since GT became Aperture. Hopefully this will get resolved by them now you have sent them everything. If it all hinges on the valuaiton you ma...
by Tina21
Thu Mar 03, 2016 6:01 pm
Forum: Ask IVA Forum and Industry experts
Topic: Wondering if anyone can help calculate my equity figures ?
Replies: 9
Views: 3098

Hi there I posted the question yesterday about equity and calculations as Tina 61 couldn't remember my password Anyway aperture put final payment on my direct debit in January 15th 2016 They have now reopened direct debit after I received a letter stating that I was due to pay another 12 months into...
by Tina21
Mon Jan 25, 2016 3:17 pm
Forum: Ask IVA Forum and Industry experts
Topic: I am assuming a valuation has been done by Aperture as I haven't been asked to remortgage
Replies: 9
Views: 2282

Hi there not sure But I done a valuation on zoopla on my house number and it came back in the details that the estimated value was £98000 My mortgage is £82000 I am in a joint iva with my husband Like I said I have made 60 payments Last one on 15th January I would of thought aperture would have cont...
by Tina21
Mon Jan 25, 2016 3:05 pm
Forum: Ask IVA Forum and Industry experts
Topic: I am assuming a valuation has been done by Aperture as I haven't been asked to remortgage
Replies: 9
Views: 2282

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by Michael Peoples

If there is little or no equity your IVA has completed. I can only assume that they did the valuation themselves in month 54 and that is why it is closed. Do you have equity?
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