Had a joint Iva with my wife but we have now been separated for 16 months. We have continued to pay the Iva between us and to my knowledge it had now been paid off. However apperture have now said according to appendix ll they now want a mortgage state,ent and may ask to release equity in the property. I have emailed them for information but when I do this they go direct to my wife and won't deal with me. As she doesn't keep me informed of what is going on with apperture, I now don't know where I stand with the debts etc. Is there anything I can do? She's still in the property but mortgage in both names. I don't want to increase the mortgage when I'm not even living there. Can you help?
What happens with the equity release is not up to you, or in your hands, nor those of your ex --- it will depend on the IP and the figures involved and is all outlined in the agreements you both signed.
It is in both your interests to co-operate and would be easier on both of you if you could do this and get the whole thing out of the way. As for communications, contact Aperture and complain ... you have your own IVA, interlocking with hers, it is NOT a 'joint' IVA and you are entitled to see copies of the communications.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
