I finished 72 months IVA last September now waiting to start paying for an extra 12 months instead of remortgaging ,just had a letter today from tax office to say I have overpaid tax for £235 to claim it go online ,my question is do I get it paid into my bank online and then hand it over to Aperture or do I tell them first before I actually claim it as they might want it paid straight to them ??