Search found 25870 matches

Search found 25870 matches Page 1 of 1725
by Foggy
Mon May 21, 2018 7:41 pm
Forum: Ask IVA Forum and Industry experts
Topic: what is happening with Aperture
Replies: 4
Views: 1559
cath2987 wrote:
Have you got the correct email for them? I found out recently that the emails I have been using for them they haven't been receiving them and it's now a different email...


https://apertureiva.com/dfd/
by Foggy
Mon May 21, 2018 5:20 pm
Forum: Ask IVA Forum and Industry experts
Topic: Moving in with partner
Replies: 6
Views: 265
I would just say I am changing address and paying this amount, including bills ... none of his business who else is in the house and not your information to divulge about housemates.
by Foggy
Mon May 21, 2018 5:18 pm
Forum: Ask IVA Forum and Industry experts
Topic: Creditors Meeting nerves
Replies: 5
Views: 218
As far as I am aware they are all reasonable creditors. IF they reject you will have a chance to address the reason why (there might be a work around) or try for a DMP while you regroup. Creditors rarely go straight for the jugular if you are trying to come to some form or arrangement.
by Foggy
Mon May 21, 2018 1:25 pm
Forum: Ask IVA Forum and Industry experts
Topic: Aperture & Debt Free Direct
Replies: 5
Views: 398
redboxtree wrote:
Remind them that under GDPR they need to establish that they are the data controller and that their customers need to be told this.


Seems many customers are not even being told they have been transferred. Appalling service !
by Foggy
Mon May 21, 2018 1:23 pm
Forum: Ask IVA Forum and Industry experts
Topic: Moving in with partner
Replies: 6
Views: 265
She would name you as a lodger, but would lose her single persons discount however you are described. I do not know whether they will issue a bill in joint names, but when I had a lodger (before my IVA) they were not mentioned on the bill.
by Foggy
Mon May 21, 2018 1:20 pm
Forum: Ask IVA Forum and Industry experts
Topic: Paid back more than owed in IVA
Replies: 2
Views: 290
You always owe the full original debt, plus fees, as agreed, as well as possible statutory interest at 8% simple per annum. Once you hit this figure the IVA will conclude.
by Foggy
Mon May 21, 2018 12:25 pm
Forum: Ask IVA Forum and Industry experts
Topic: Moving in with partner
Replies: 6
Views: 265
Probably easiest if, as you say, you agree a lump sum and pay that monthky as though you were, in fact, house sharing, rather than living together. That way, too, it will be easier to keep your finances distanced from each other to prevent your IVA tainting her credit record.
by Foggy
Mon May 21, 2018 10:42 am
Forum: Ask IVA Forum and Industry experts
Topic: Anyone used Pareto Money?
Replies: 5
Views: 503
Their only rcent mention on here is not exactly a glowing one: mis-sold-iva-pareto-money-i-cancel-it-they-going-to-invoice-me-2000-bill-t82700
by Foggy
Mon May 21, 2018 6:42 am
Forum: Ask IVA Forum and Industry experts
Topic: my iva finished im september 2
Replies: 2
Views: 372
Should have arrived by now --- contact to your IP and ask what the hold up is. Who are you with ?
by Foggy
Mon May 21, 2018 6:41 am
Forum: Ask IVA Forum and Industry experts
Topic: Aperture & Debt Free Direct
Replies: 5
Views: 398
As mentioned in your other post -- I am afraid that you are stuck with Aperture. They are not the worst out there, but do need a lot of effort on your part as well as persistence.
by Foggy
Sun May 20, 2018 8:01 pm
Forum: Ask IVA Forum and Industry experts
Topic: Getting no where with Aperture
Replies: 5
Views: 1885
Really concerned only just found out debt free direct were no more and that Aperture had taken over - have had no communication what so ever !! My 4th annual review has passed ! Should I be contacting them? From what I have read so far about Aperture they defo don't have a good reputation - Can I s...
by Foggy
Sun May 20, 2018 3:19 pm
Forum: Ask IVA Forum and Industry experts
Topic: Post IVA credit
Replies: 10
Views: 680
J5453 wrote:
It’s with Santander.

That’s how I took as too and wanted to make sure.


You won't be limited to your own bank for a CC --- After one with Vanquis, I got one with the Post Office (once my files were clear)
by Foggy
Sun May 20, 2018 2:48 pm
Forum: Ask IVA Forum and Industry experts
Topic: Post IVA credit
Replies: 10
Views: 680
J5453 wrote:
Meant to add before applying for their everyday credit card.


I would read that as being six years after the end of the IVA -- which bank is it ?
by Foggy
Sun May 20, 2018 11:25 am
Forum: Ask IVA Forum and Industry experts
Topic: Post IVA credit
Replies: 10
Views: 680
Hello forum. Been a while since I completed early and I'm getting happier every month with more money in my pocket. Anyway as expected my credit rating is poor. About 500 fairy points on experian and clear score is less which I think draws from equifax. Not helped by the fact I recently changed add...
Search found 25870 matches Page 1 of 1725