Completion process

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Look2THElight

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Joined: Sat Jul 28, 2018 1:36 pm

Post by Look2THElight » Sat Jul 28, 2018 4:10 pm
After the last payment into our IVA in Nov, 2017 we waited 6 months before enquiring about our Completion Certificate thinking this was the accepted timescale to process completion. During this time DFD is transferred into Aperture . After an enquiry e-mail to Aperture in May 2018 they said IVA was in completion process. Another promise after we called them in early June but still no updates or communication.
Really affecting my health now totally distraught with the whole affair. 5 years of sacrifice then another 12 months in lieu of equity and now 8 months in limbo. TOTAL SHAMBLES. Any help and advice at this stage greatly appreciated.

Foggy

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Post by Foggy » Sat Jul 28, 2018 4:34 pm
I am afraid that you are correct -- Aperture is, once again, in a shambles, after acquiring another firm's caseload with inadequate resourcing. I would suggest a formal complaint, in writing, by recorded snail mail, addressed direct to your IP. You can then escalate this to their regulatory body, if no useful response.

Unfortunately the regulatory body will not actually intervene, but can impose a fine on the IP, if they deem fit (some of these fines can be quite heavy). Again, you will see no benefit from the fine ... but the threat of the possibility might make them look out for your case and see it completed sooner rather than later.
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

Juju888

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Joined: Tue Jul 31, 2018 3:21 pm

Post by Juju888 » Tue Jul 31, 2018 6:24 pm
Yaaaaaayyy !! it finally agreed with a customer!

Yes, you definitely need to submit a formal complaint.


Don't forget that these people ( IVA companies and IP's) are getting paid THOUSANDS of £££.


Saying that they 'need to look into it' or ' it will sort itself out eventually' or not even answering emails and letters is just not good enough.

IVA customers need to campaign, and protest with the aim of bringing in legislation preventing IVA companies/IP's from touting for new business until they have cleared up the mess and backlog of current cases, as in the one above.

Foggy

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Post by Foggy » Tue Jul 31, 2018 6:33 pm
Juju888 wrote:
Yaaaaaayyy !! it finally agreed with a customer!

Yes, you definitely need to submit a formal complaint.


Don't forget that these people ( IVA companies and IP's) are getting paid THOUSANDS of £££.


Saying that they 'need to look into it' or ' it will sort itself out eventually' or not even answering emails and letters is just not good enough.

IVA customers need to campaign, and protest with the aim of bringing in legislation preventing IVA companies/IP's from touting for new business until they have cleared up the mess and backlog of current cases, as in the one above.
Juju -- I recently launched a government petition to set up a body, similar to the Financial Ombudsman, to act on the behalf of debtors and to mediate as well as provide direction and solutions ... in 6 months it got 42 signatures !! The will isn't there is the people who need the help and support. :(
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
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