I was into some credit cards for quite a few K essentially after illness took me off the treadmill for a bit. Such Consumer debt and the IVA to me = Very impersonal, dealt with in a cold, pragmatic manner as the optimum solution. Doesn't really bother me.
Take/borrow money off someone I know? All becomes a bit personal, would really bother me, That kind of thing can go wrong.
PS don't stop paying before something's agreed, it'll screw up anything you try to agree,
Rightly or wrongly ( I would go for the latter) Aperture are falling into arreas in responding to anything at the moment, due, again, to an under resourced and researched take on of another caseload. I will get sorted in the end.
You can lodge a complaint with their regulators, but this will not help your situation. I would suggest a complaint, by recorded deliver (traditional snail mail), direct to the IP, explaining the facts and making "time of the essence". Maybe they could agree a payment break (in writing!) while they sort themselves out.
Write a letter and send it recorded delivery - then hopefully they will act.
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