During your IVA you paid in sums that were not properly due under the terms of the agreement. That is to say, money in excess of the agreed payments. So Aperture paid these back. The difference between the overpaym,ent and the smaller sum offered was probably that the smaller sum was still in the IVA account but the rest had been sent to credipors as part of the dividend. Getting money back in these circumstances is very labour intensive and long winded ... and not usually successful.
Now ... PPI is correctly due to the IVA, even after completion, as recently confirmed in the High Court. During the IVA you always owe the full original debt, plus fees and possible statutory interest. So this refund is correctly due as a payment agreed under the terms of the arrangement, until such time as the sums just referred to are fully met.
Sometimes it is not economical to dig out old files and re-contact old creditors and the IP will let you have the refund ... Indeed some IP's simply lose interest and let you have it anyway.
My take would be ... if Aperture did want to keep the refund ... they should refund the remaining £800 from the sum, give that to you and that would offset the overpayment to creditors as well as obviate the need to try to claw it back.
Does that make sense ?
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