Completion certificate on headed paper

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katie571

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Post by katie571 » Wed Jun 16, 2021 8:50 pm
Hi, I wonder if you can help we completed our IVA 2018 we recieved our completion certificate stating it was finished and signed. We are currently trying to remortgage and although we have sent a copy of our certificates they have requested them on headed paper from the company, the certificates are not on headed paper and I've searched the company apperture and it seems they've been taken over. I'm worried now the mortgage lender will refuse us as they are not on headed paper and there is nothing I can do. Many thanks

Foggy

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Post by Foggy » Thu Jun 17, 2021 6:49 am
Legacy IVA's are being dealt with by the Aperture Trust Department: https://apertureiva.com/debt-solutions/ ... trust-faqs

They list their email as: IVATrusts@aperture.co.uk although we have also seen listed as ivatrusts@aperture.com -- a lot of bounce backs have been reported !

Elaine Masters is still listed as an IP at Aperture ... maybe try mailing her at the address listed by the Insolvency Service: elaine.masters@aperture.uk.com

I was with Grant Thornton, before they became Aperture, and my Certificate was also on plain paper !
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

MrMole

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Post by MrMole » Thu Jun 17, 2021 7:32 am
Elaine Masters isn't at Aperture more. Who was IP who was supervisor of your IVA?

Foggy

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Post by Foggy » Thu Jun 17, 2021 8:21 am
Thu Jun 17, 2021 7:32 amMrMole wrote:
Elaine Masters isn't at Aperture more. Who was IP who was supervisor of your IVA?
Thank you MrMole ---- I was only going by the Insolvency Service listing, which, it seems, is also out of date !
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

katie571

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Post by katie571 » Thu Jun 17, 2021 1:37 pm
It is signed by Sabrina Mcgurk I think that's her name.

Foggy

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Post by Foggy » Thu Jun 17, 2021 2:34 pm
Name
Ms Carol Sabrina McGurk
Company
UK Debt Advisors Ltd
Address
Floor 6, The Lanyon Building, Jennymount Business Park, North Derby Street, Belfast, BT15 3HN
Telephone
Fax
IP Number
12850
Licensing Body
IPA
Email
sabrina.mcgurk@outlook.com
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

luluj

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Post by luluj » Fri Jun 18, 2021 4:39 am
Ours some 13 years ago now was not on headed paper and it was never an issue in every mortgage we have had since.
Sharing from experiences of dealing with debt

There is a solution for everyone .... Just need to stay positive !

Look at my blog "All I wanted was a baby"

katie571

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Post by katie571 » Fri Jun 25, 2021 3:49 pm
Honestly I'm at a lost as what else I can the mortgage company nationwide have now come back saying they can't find us on the gov online Insolvency agency as we settled over 3 years ago, they are saying the certificate not on headed paper is not good enough and I could have knocked it up myself!!! So unless I can show them public records we have settled it we can't move forward.

Foggy

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Post by Foggy » Fri Jun 25, 2021 4:09 pm
Try contacting the Insolvency Service and see if they have an archived copy, or can write confirming you were removed from the Register due to having completed the IVA.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

katie571

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Post by katie571 » Fri Jun 25, 2021 6:38 pm
Thank you, luckily I have had some help from Sabrina even though she no longer works for the company and managed to get a copy of our iva completion report. I had lost all hope of getting anywhere. Just a waiting game again for a yes or no fingers crossed.

luluj

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Post by luluj » Fri Jun 25, 2021 6:43 pm
I would speak to Ryan or Shaun to see if they can offer advice if you continue to struggle to get a yes. Both are forum mortgage experts ...
Sharing from experiences of dealing with debt

There is a solution for everyone .... Just need to stay positive !

Look at my blog "All I wanted was a baby"

kallis3

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Post by kallis3 » Fri Jun 25, 2021 7:13 pm
That's excellent news katie - really pleased for you.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk

Ryan

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Post by Ryan » Sat Jun 26, 2021 5:47 am
Hi katie571. We have helped many members on this forum obtain mortgages after an IVA. Nationwide are notoriously difficult, so i wish you the best of luck with it.
Ryan Radford
IVA Mortgage Expert
Zebra Money Centre

IVA Mortgage advice needed? Looking at Right to Buy and completed IVA still on credit files ?

Contact me at http://www.ivamortgageexpert.co.uk or via the expert page
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