DFD Apature

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spire20

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Post by spire20 » Fri Apr 03, 2020 8:38 am
Hi all

I was one of the DFD customers that knowingly got moved to Apature. I’ve just found out that I’ve been charged £350 for the move between the 2 companies.

How on earth is it right that I am charged for the privilege of Apature to gain my business and then in turn make money from me. It’s day light robbery. I’m guessing anyone in the same circumstance will have been charged the same

Foggy

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Post by Foggy » Fri Apr 03, 2020 9:37 am
You haven't been charged. They will add this to their fees which comes out of the regular payments you make to creditors --- so the creditors have been charged for the move, rather than you. I admit that it is galling, though, and the first time this has been noted. However, Aperture do seem to be one of the more avaricious firms out there !
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

Debtfreewannabe2022

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Post by Debtfreewannabe2022 » Fri Apr 03, 2020 10:31 am
Foggy, would this still be the case if 100% of the debt was paid, including other fees, equity release if a homeowner etc, by the end of the IVA? There are many fees added to an IVA where the debtor does not get a say or indeed agreement.

Foggy

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Post by Foggy » Fri Apr 03, 2020 10:55 am
If you were in the position of paying back all of the original debt, statutory interest and fees, then, yes, the amount paid would, effectively, be coming from your pocket ---- but, at the end of the day, would still, most likely, be less than if you had not gone into the IVA and paid the debt and contractual interest off over the 5 or 6 years.

Technically the debtor does agree -- by entering the arrangement in the first place. Although I accept the point that he or she has no actual control.

There are many things wrong with the current system and I have tried to highlight these in the past, to no effect. But, at the end of the day, it is preferable to losing one's house and home !
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

WallE

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Post by WallE » Sat Apr 04, 2020 7:36 am
What makes you believe you were charged £350? That sounds like a variation fee, and generally speaking the transfer of cases from DFD to Aperture were not mass variations, just a change of IP.
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