Search found 26072 matches

Search found 26072 matches Page 1 of 1739
by Foggy
Tue Jun 19, 2018 12:54 pm
Forum: Ask IVA Forum and Industry experts
Topic: No contact from Aperture about IVA closure
Replies: 3
Views: 3602
To make a complaint you have to go though their internal complaints procedure, as detailed on their website. If no joy / response to this you can escalate the complaint to their regulators via the government gateway here: https://www.gov.uk/complain-about-insolvency-practitioner As for getting throu...
by Foggy
Tue Jun 19, 2018 11:34 am
Forum: Ask IVA Forum and Industry experts
Topic: Aperture never ending nightmare!
Replies: 4
Views: 103
I find this so weird to read this and others about Aperture. They handled my F&F IVA in 2016 and everything was so well handled, I owe them so much for getting some things through our IVA agreement that perhaps should never have happened. They were always available, helpful and everything was h...
by Foggy
Tue Jun 19, 2018 10:36 am
Forum: Ask IVA Forum and Industry experts
Topic: IVA Completion Certificate
Replies: 1
Views: 96
how long does the completion take with MD? A final payment made in march and an extra payment from PPI I claimed has gone in after this time. Eagerly awaiting certificate They are normally not too bad and usually complete within the norm of 2 to 3 months. I imagine the PPI payment has delayed matte...
by Foggy
Tue Jun 19, 2018 9:37 am
Forum: Ask IVA Forum and Industry experts
Topic: Aperture never ending nightmare!
Replies: 4
Views: 103
Hello, I have just been informed by Aperture that they need to address the equity release clause, this would have been fine if they had bothered to contact me 6 months before the end of my iva as agreed but unfortunately I've been told this today after inquiring as to where my completion certificat...
by Foggy
Tue Jun 19, 2018 8:08 am
Forum: Ask IVA Forum and Industry experts
Topic: Can I have a gym membership in an IVA
Replies: 1
Views: 141
You can start a gym membership whilst in an IVA, but I doubt that the creditors will allow the fees to be added as an allowable expense. If you can fund the membership from your already agreed expenses there should be no problem. If you haven't yet started / agreed expenses, it could be covered by a...
by Foggy
Tue Jun 19, 2018 6:42 am
Forum: Ask IVA Forum and Industry experts
Topic: Do I have a duty to fill forms from PPI?
Replies: 2
Views: 268
This is untested ground. Yes, the PPI belongs to the creditors, as confirmed by the courts. But what pressure the former IP can bring to bear, or is willing to bring to bear, has not yet been, as I say, tested. During the IVA you had to comply with reasonable requests and authorising PPI claims was ...
by Foggy
Tue Jun 19, 2018 6:36 am
Forum: Ask IVA Forum and Industry experts
Topic: The end must be in sight ...?
Replies: 2
Views: 284
Well done -- nearly there.

Aperture are suffering some kind of back log at the moment so some perseverance will be required from you in the communication stakes (never their strong point at the best of times).
by Foggy
Mon Jun 18, 2018 7:51 pm
Forum: Ask IVA Forum and Industry experts
Topic: Credit Accounts still open?
Replies: 2
Views: 285
Hi Our interlocking IVA was approved on 23rd May :D All our credit accounts are still showing as open with the current balance. Interest still being charged and late payment charges being applied. We have recieved default notices on all accounts and they are now 2 months in arrears. How long does i...
by Foggy
Mon Jun 18, 2018 5:46 pm
Forum: Ask IVA Forum and Industry experts
Topic: Getting credit score in order post IVA
Replies: 7
Views: 418
My experience is that it will take a bit longer than the 6 year drop off point. I found that because I had absolutely no financial history after the 6 year point that my score took a while to actually show any increase at all. It was close to 1 1/2 years after the 6 year point that my score started...
by Foggy
Mon Jun 18, 2018 1:20 pm
Forum: Ask IVA Forum and Industry experts
Topic: Getting credit score in order post IVA
Replies: 7
Views: 418
Have a read here as well as the last couple of entries in my blog ( link in my sig. below) : https://www.iva.co.uk/what-does-an-iva- ... dit-record
by Foggy
Mon Jun 18, 2018 9:30 am
Forum: Ask IVA Forum and Industry experts
Topic: Creditfix Electronic Review
Replies: 2
Views: 444
Hi All A quick question to all Creditfix customers. I've watched the video which explains the review which is useful but I do have a few questions? 1. They say it takes a one time snap shot of your online banking accounts, how many months is this snap shot over? 2. I have 1 account which my wages a...
by Foggy
Mon Jun 18, 2018 8:42 am
Forum: Ask IVA Forum and Industry experts
Topic: Not signed yet - can I cancel without charge?
Replies: 8
Views: 830
Freeman Jones probably will not charge. Resolute might.
by Foggy
Mon Jun 18, 2018 7:06 am
Forum: Ask IVA Forum and Industry experts
Topic: F&F meeting tomorrow!
Replies: 2
Views: 586
Fingers firmly crossed for today --- good luck x
by Foggy
Mon Jun 18, 2018 7:05 am
Forum: Ask IVA Forum and Industry experts
Topic: Am I in breach of my IVA?
Replies: 2
Views: 698
I think I may be in breach of my IVA. I'm in my 5th year with about 8 months to go. I've never missed a payment but have taken out 2 credit cards since the IVA started and have additional debt of £4000. I'm ay my wits end, like I was before the IVA started. I'm so scared this will fail. I've cut th...
by Foggy
Mon Jun 18, 2018 7:02 am
Forum: Ask IVA Forum and Industry experts
Topic: Full & Final offer
Replies: 2
Views: 624
If you go to term the creditors are looking at at least £13.5k from you. But, you will be saving them a chunk in hassle and admin costs. My first thoughts are that £7.5k might be a little light and thet £10k might be better. However, I have seen very light offers accepted before. Worth at least a ch...
Search found 26072 matches Page 1 of 1739