Extra year and Select Partnership

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linda968

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Post by linda968 » Thu Apr 30, 2020 5:29 pm
Hi
My husband and I took out an IVA 5 years ago with Grant thornton. Half way through this changed to Aperture. We were assured by Grant Thornton that rather than have to release equity we would have to pay an extra year. Aperture never got in touch so I got in touch with them about the extra year. They have referred our case to the select partnership. My husband is 63 so thought we wouldn’t be expected to get a secured loan as would have to be over 3 years. Due to current situation I have been unable to speak to Aperture direct. Thank You

Foggy

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Post by Foggy » Thu Apr 30, 2020 5:56 pm
Grant Thornton would have been unable to make that guarantee ahead of time and were, basically, fobbing you off. They may have felt it was 'unlikely' that you would remortgage, but, even then, the exercise still has to be undertaken, which is what Select are doing now.

Select are really the ones you need to speak to, they know the policies inside out and do apply them fairly. They are also far easier to get hold of than Aperture and more sympathetic.

Have a word with Shaun from Select, who posts regularly on here, his contact details can be gleaned from his profile here: memberlist.php?mode=viewprofile&u=22837
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

linda968

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Post by linda968 » Thu Apr 30, 2020 6:32 pm
Thank You for getting back to me. I will do that tomorrow. The IVA was due to finish in February and I have been chasing Aperture for a while. I have saved the payments for March and April as they stopped taking them.

Foggy

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Post by Foggy » Thu Apr 30, 2020 7:28 pm
Aperture, in particular, do seem to have a problem dealing with equity release in a timely manner --- but you have done the right thing and gently prodded them into action, as leaving sleeping dogs lie, in this case, is not the thing to be doing.
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

linda968

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Post by linda968 » Thu Apr 30, 2020 8:34 pm
Thank You Foggy. We have had to chase them even to do our annual review. Hopefully The select partnership can help tomorrow. I will update on what they say.

abbiesmum2003

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Post by abbiesmum2003 » Thu Apr 30, 2020 9:08 pm
I totally agree with Foggy.
Select are knowledgable and have full understanding and awareness of the guidelines.
Im sure you will find them a pleasure to deal with after IVA company problems!!!

linda968

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Post by linda968 » Thu Apr 30, 2020 10:03 pm
Thank You for your reply. Feel better contacting them now. The only contact we have had from Aperture is when We have rang or emailed them.

Shaun Vickery

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Post by Shaun Vickery » Mon May 04, 2020 9:29 am
Hi Linda. If you'd like me to have a look into this for you please feel free to contact me as Foggy suggests.
Specialist Mortgage Advisers. Highly Commended at the British Mortgage Awards.

For individual, confidential mortgage advice see my details under the IVA Experts or go to http://clients.theselectpartnership.co.uk/

linda968

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Post by linda968 » Mon May 04, 2020 12:04 pm
Hi Shaun
That would be brilliant if you don’t mind. What information do you need and how do I send it to You?
Thank You so much

Shaun Vickery

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Post by Shaun Vickery » Mon May 04, 2020 12:18 pm
That's fine Linda. You can find me amongst the 'IVA Experts' by clicking the link in the left hand column of the forum but I am sure the administrators won't mind me putting my email address here under the circumstances ....it's shaun.vickery@theselectpartnership.co.uk
Specialist Mortgage Advisers. Highly Commended at the British Mortgage Awards.

For individual, confidential mortgage advice see my details under the IVA Experts or go to http://clients.theselectpartnership.co.uk/

linda968

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Post by linda968 » Thu May 07, 2020 12:50 pm
Hi
I would just like to say a big Thank You to Foggy and Shaun for their advice and help. Shaun made a telephone appointment for me to speak with someone at Select Partnership. After speaking to a Lovely lady she got back to me within an hour and said they couldn’t help me and the case would be closed.
I am so relieved as now I can contact Aperture and start paying My extra and hopefully final year.
The advice given by Foggy and Shaun helped me achieve this. I can’t thank You enough.

Foggy

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Post by Foggy » Thu May 07, 2020 2:19 pm
Thu May 07, 2020 12:50 pmlinda968 wrote:
Hi
I would just like to say a big Thank You to Foggy and Shaun for their advice and help. Shaun made a telephone appointment for me to speak with someone at Select Partnership. After speaking to a Lovely lady she got back to me within an hour and said they couldn’t help me and the case would be closed.
I am so relieved as now I can contact Aperture and start paying My extra and hopefully final year.
The advice given by Foggy and Shaun helped me achieve this. I can’t thank You enough.
You are more than welcome.
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

kallis3

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Post by kallis3 » Thu May 07, 2020 2:54 pm
So glad it has worked out 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

linda968

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Post by linda968 » Thu May 28, 2020 7:27 pm
Hi
Just an update. We Got a call off Aperture.today. They have told us we have to pay an extra year in lieu of equity. We asked them to backdate the payments to March which they agreed. Will hopefully be free of them in less than a year.
All your advice and help on this forum is invaluable. We can’t thank You All enough.
Kindest Regards
Linda

Foggy

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Post by Foggy » Thu May 28, 2020 7:35 pm
Thu May 28, 2020 7:27 pmlinda968 wrote:
Hi
Just an update. We Got a call off Aperture.today. They have told us we have to pay an extra year in lieu of equity. We asked them to backdate the payments to March which they agreed. Will hopefully be free of them in less than a year.
All your advice and help on this forum is invaluable. We can’t thank You All enough.
Kindest Regards
Linda
Good to hear it has finally all been sorted out and you now know where you are going and, more to the point, when it will end. Not long to go now with the head start !
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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