Final Payment again...

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Jasmin.75

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Post by Jasmin.75 » Mon Dec 02, 2019 4:20 am
Hi again to all!
So, final payment made in July 2019, have informed Aperture 31/7/19, emailed and phoned 3-4x, no other documents needed whenever I follow-up. Then 27/11/19 4th month of closure process Aperture have asked for additional earning payslips, sent to them via portal the next day, reviewed (quickly) by them and was asked to pay £700 FINAL payment.
My question is, when I pay this balance, which I know I have to, will I then be counting the 3-6months process after paying this balance? Or will the process continue as I expected closure of 3-6 months from August- January...I phoned them and the person a spoke with, Matthew is unsure about this, he only said he can send me an “ intentional closure”email once balance is settled... Please comment...thank you

Foggy

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Post by Foggy » Mon Dec 02, 2019 7:46 am
They are bound by the 6 months period from the date of the last payment ( if you have the usual clauses under "Duration of arrangement" ). BUT -- they can serve notice to extend this period ( usually twice by 6 and by 3 months).
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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Jasmin.75

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Post by Jasmin.75 » Mon Dec 16, 2019 3:59 pm
Mon Dec 02, 2019 7:46 amFoggy wrote:
They are bound by the 6 months period from the date of the last payment ( if you have the usual clauses under "Duration of arrangement" ). BUT -- they can serve notice to extend this period ( usually twice by 6 and by 3 months).
Hi Foggy,
I am confused of this clause 5(2) The supervisor may if she/he thinks fits for the purposes of fulfilling the arrangement, extend the arrangement by sending a notice saying so (“an extention notice”) to you and to all creditors. This may be done either once or teice: first up to 6 months and next up to 3 months.
5(3) The supervisor must send any extention notice at least 7 days before the arrangement is due to expire and must state the reasons for the extention.
5(6) Where tye individual has failed to disclose exceptional income, the term of the IVA may be extended by up to a maximum of 6 months to recovery any sums due, without any modification being required.
Are these the clauses you meant?
Do i have the right to keep ringing them now that they said in the “intentional closure letter”that they are satisfied that all funds have been paid and that closure takes 3-6months to process? Are they correct to say this starts from the day I paid additional income to them?
Many thanks.

Foggy

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Post by Foggy » Mon Dec 16, 2019 4:07 pm
Yes, these are the clauses in play, and, yes they will count this period from the date of last payment, including any extra payments you are required to make to catch up on additional income etc.

You are within your rights to ring as much as you wish, but, bear in mind that an often scratched sore seldom heals rapidly !
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

Jasmin.75

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Post by Jasmin.75 » Mon Dec 16, 2019 4:15 pm
Thanks Foggy.
I was told today that I should start counting from this month, latest to receive the certificate is in June.
(Sigh) if only they did their job well and in time.
Thank you very much for all your help.

kallis3

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Post by kallis3 » Mon Dec 16, 2019 6:19 pm
Fingers crossed it comes through before then. This is the problem with the big factories
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
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