Im no longer on the insolvency list . My experian credit score is showing a different score . Im struggling to get a mortgage. Aperture are so crap Im so glad I'm out of my IVA. I might write to nationwide and ask them to remove it. I doubt it will get me a mortgage tho

I tweeted them ages ago as my IVA ended may 2016 and i was still waiting in Dec for my closure letter . I am now waiting on a reply to my email about why one of my creditors is still on my credit report as I cant get a mortgage. No reply for a week . They have blocked me on facebook and I can no lon...

I finished my 7 year I VA 2 years ago I had to go through twitter to get a response from Aperture 4 months ago to get my closure letter . I got my letter. They then blocked me om Facebook and twitter and have not replied to 3 emails . I am asking them why my credit score om clearscore is showing a d...

Ty

My last payment was January 2016. I have sent 5 emails and not had one response from them . I have called and got cut off . Does this normally happen to people who have finished paying their iva ? Is there anyone on this forum using them and still in contact with them I’m thinking they have closed d...

well I can do overtime and keep it because its only 10% of my wage I am not worried about that now. Thanks for your help debt free sort of lol

ok that's a bit weird tho if my DD is cancelled and my IVA is paid what is my over time money going to? It will be paid to your creditors when the final distribution of funds is made after June. oh ok so when I pay my IVA monthly that money is not going the creditors its going to Aperture who will ...

ok that's a bit weird tho if my DD is cancelled and my IVA is paid what is my over time money going to?

you didn't upset me lol you have been very helpful x

btw thanks for all your help everyone its been very helpful

I was crying on the phone sigh.

Can I do overtime at work now and keep all the money or not?

I called them they said once I pay the last £120 I need to cancel my DD . I then need to wait till June for closure and to send my wage slips as normal for a review in June.


No idea why I need a review in June but the woman was fine she said there is no issue here

You need to clarify that the IVA is settled - as Foggy has said, it may be they take this to pay to the creditors and you just continue on until the end. continue to pay to the end? I only have £120 to pay I had 5 payments left I feel like I have caused a massive issue paying my iva off now. why is...

I am going to call them tommrrow I can never do this as I work shifts so rely on emails for 5 years.

so when I call them I have to tell them that I paid the money in to pay my IVA off early

what do youmean tell them what has happened. What have I done wrong? have I lost my money? they have it now I cant get it back I thought I was doing the right thing paying a lump sum, if I had done overtime to this amount I would have paid that in so what is the difference?