Thanks for the information, as for the final offer I’ve not shown my cards at all about any of this to Them partly because I didn’t know 100% if I was going to get the money gifted to us or not at the time.

Can you advise the best route to do the final offer via gifted money

Hi all We have been in our IVA since 2016 which we started with Debt free Direct. Unknowingly Aperture took over and i found out around 8 month later via a google post that DFD had gone under. We received nothing at all from Aperture, no welcome pack, T&C nothing at at all. I have recently found out...