Jo1979 wrote:I have just sent a complaint via the government gateway to complain about Aperture. Enough is enough. In 6 days it’s 6 months since we made our final payment. Our creditors meeting was 12th August 2011 so our IVA began on that day I believe. Which means we are now over 6 months post end of our Iva which was 6 years due to equity in our house. I’m so fed up.
also complained to the gateway, 6 months just to acknowledge my documents for a full and final offer, and calling every week, disgusting.
dustypink66 wrote: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 down
Aperture are still trading --- but are renowned for their lack of having the courtesy to respond to emails or answer the phone. I would suggest a letter (by recorded snail mail) direct to the IP making a formal complaint, followed up, if need be, with a complaint to their regulatory body via the Government Gateway here: https://www.gov.uk/complain-about-insol ... actitioner
tracy712 wrote:My Iva was taken over by Aperture I was originally with Debt Free Direct, I have had nothing but problems with Aperture, I requested a settlement figure 3 months ago as I am selling my property in the end I had to complain about them and told them I had put a complaint in against them. Within 4 days I had my figure, BUT after paying into my Iva for 4 years the figure they have given me is a lot more than my original debt, £2600 more infact. So I have paid into this for four years and still owe more than my original debt, how does that work?
You always owe the original debt plus fees and statutory interest (which is lower than the contractual interest on most debts). A settlement is the most expensive way to clear an IVA. A full and final would be far cheaper (basically what you have left to pay in agreed payments (plus 12 in your case, in lieu of equity).
Can you not sell until the IVA is either ended in a couple of years or you have made a F&F on third party funds.
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