www.iva.co.uk

Very frustrated Aperture IVA customer, I'm now three months in to the IVA and still being harrassed by debters. Not only that, I have even had letters from a company claiming to of bought a debt of mine. Is this IVA through Aperture legit? I'm starting to panic, not helped by the fact that my phome calls and emails are going unanswered!
Someone please advise!
Thanks in advance!

Hi Angry99
any creditors that contact you just give them Apertures email address or if you know the name.of your IP.then give them there email any letters you receive scan and email to Aperture.

It does sometimes take time for things to filter down and you have nothing to worry about. Most debts are sold on. Do let Aperture know.

The new debt owner is bound in the same way as the old one -- it is common for debts to be sold on. They get sold in auction style "lots" and the new owner might not even realize it is covered by an IVA. Aperture are one of those companies that you really have to ride to get any information out of them, but they are legit.

As frustrating as it is, you are covered from all your creditors. They can huff and puff, but you needn't worry about their lack of internal communications. Debts are sold on all the time by large creditors, it gets them off their books and relies on 'someone' else to administer the debt. Again don't worry you are still covered under the IVA no matter who buys the debt. It could take a fair few months to get sorted by these companies, in the mean time enjoy making paper airplanes out of their meaningless letters. If they contact you by phone flatly refuse to acknowledge who you are and refuse to answer their 'security' questions, they will get bored before you do.

MerlinL14 wrote:

As frustrating as it is, you are covered from all your creditors. They can huff and puff, but you needn't worry about their lack of internal communications. Debts are sold on all the time by large creditors, it gets them off their books and relies on 'someone' else to administer the debt. Again don't worry you are still covered under the IVA no matter who buys the debt. It could take a fair few months to get sorted by these companies, in the mean time enjoy making paper airplanes out of their meaningless letters. If they contact you by phone flatly refuse to acknowledge who you are and refuse to answer their 'security' questions, they will get bored before you do.

Refusing to answer security questions is something I discovered when I started in my IVA over six years ago. It can be quite amusing to see what response you get. It can vary from a hurt "but how can we help you if you won't co-operate" to "well on your own head be it, things will only get worse"

Of course they don't want to help you and things won't get worse, what they want is money.

In fact if you gave them money things could get worse as you would be favouring one creditor and the IVA could fail.

Blow a whistle down the phone or just put the phone down to a very loud music station - they will soon go away.