She has confirmed that my IVA was fully closed down and completed on 20th September 2019. Plus holidays owed. Any payments made have been processed within your IVA as all direct debits were transferred over. reviu last year we still do not have the annual review. When Apple can no longer gouge its customers, it drops out of the market. There are lots of different ways this could go in the future unless he gets a job paying the same amount pretty quickly. Jarvis has just received a ppi claim payment of £2800, surely this can be used as goodwill help towards my now financial situation. I tried to contact aperture but you can’t now,I contacted Jarvis who’ve now bought out open iva from aperture who told me that aperture are the only ones who I can talk to but only via email,that was 10 days ago and still no reply… My Iva was taken over by Aperture I was originally with Debt Free Direct, I have had nothing but problems with Aperture, I requested a settlement figure 3 months ago as I am selling my property in the end I had to complain about them and told them I had put a complaint in against them. Hi. Are you buying or renting? Hi This weekend, the Ebenegate phone number on the Vanguard website was answered by a Creditfix employee, who knew nothing about Vanguard IVAs. Just cant believe that I am now earning good money, cant get my way out of it and wont be able to get a mortage. He will be allowed to keep all the redundcnay money as it is less then 6 months of income. I am afraid mortgage advisers aren’t likely to be interested in your story about how you were missold this. OK, so Jarvis have also replied to you – if your IVA has been transferred to them you need to talk to them about the options and the sooner the better. You can do it all by email and online. Yes I see your point. We believe that everyone has the right to a brighter future and should be able to trust that they are receiving advice that is truly personal to their circumstances and offers the best solution for them and their families. No, I think the real problem was that Apple was forced to drop Aperture's price from $500 to $80. How much are you paying a month and is it hard to manage? All the person kept saying was that they could go after PPI any time, even if I had had a Certificate of completion. I have just received a letter from Lloyds bank saying that a ppi payment of £2,789 has been paid to aperture,I also wasn’t aware that they could and did do this.. The reason I was given was it was in case people like myself contacted them and they needed to refer to old contracts. ok so you need to go back to Ebenegate and ask: Why would it? Since then I’ve paid 2 installments but I have not received any email, txt, phone call or any way to see Putting a student, expecting their income to increase in the next few years, into an IVA for just £6000 … it is VERY unlikely a good debt adviser would have thought that was a good move. I am 67 and currently in an IVA with around 3-4 year left to go. 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 certificate is as its now gone 6 months since my supposed additional but final … The reviews will be spread out over the year as and when they become due. ↳  we salute the special people managing disability, ↳  reclaiming bank charges while in an IVA, Petition to stop access to insolvency register, ↳  IVA Register: Class Action to sue Government, ↳  help abolish, regulate or limit access, ↳  Unsolicited letters from the insolvency register, Please help with research on creditor patterns, ↳  collating information about creditor voting, ↳  Watch tv.iva.co.uk the dedicated IVA TV Channel, ↳  communicating with creditors prior to IVA, ↳  hot hot hot topics in 2007 ! Hi. I rang Ebengate yesterday and the dialogue i had was with a clueless and totally unprofessional women who simply did not know what she was talking about. Quit Aperture when processing is complete. These seem likely to be the tip of a much bigger iceberg, as … My last payment was January 2016. Jobs; Jobs Tips; 7 Job Hunting Tips For When Businesses Aren’t Hiring; How to Write a CV; How to Write a Great Job Application Email; 4 Great Personal Statement Examples for Your CV; How to Change Careers ; 6 Great Jobs You Can Get With the … At that time there was some talk that new business that would have gone to Aperture would instead go to Jarvis – see some of the comments below my article Aperture – no longer taking new IVAs. We already have a 6 year term and I didn’t realise it could be extended. Finbora Group Limited, previously known as Creditfix Holdings Limited, bought Ebene Gate Mauritius in 2018-19. Hi. I can also confirm that Aperture’s IVA proposals allowed the Supervisor to make investigations into any financial mis-selling claims on your behalf and to appoint a third party company to do so, Frist Dispute Management. My IVA finished at the end of June 2019. What happened to the idea of your parents offering some money to settle the IVA? © IVA.co.uk is owned & managed by Net121 Limited. Powered by phpBB® Forum Software © phpBB Limited. I have had a letter off Santander saying that you have applied for pip and they have agreed to pay £2.441.19 to me do I get this money this was done by aperture debit solution account number ending in 6508 5954 9058 this was an alliance and Leicester could you please let me know what happens to this money that has been awarded. But one of the big problems with the current IVA market is that the returns to creditors, especially from failing IVAs are often low or non-existent…. It sounds as though you two have been through a lot over the last few years. There are close connections between Creditfix, the largest IVA firm and Ebenegate. Can you answer my question about why your IVA was set at 6 years not 5? Both our names I guess you may be so cross you just want to pusue this even if you don’t get a penny from it but the downside is your IVA has still not been completed and do you really want this to be held up any longer? I owed £13k to 6 creditors. I owe over 12k to my creditors (4 in total). However they allow these sharks to continue to make profits and then to discard people on a whim. Now what a … I’m about to pay my last payment of the 5yr plan.. I set up an IVA in December 2018,  for a debt around £6000. Keep up the good work! Send them a formal complaint in writing (eg by email). Wellbeing services are discontinued (although still be charged on the fees list), If you think you were mis-sold an IVA, or pressured into it without being told about other debt solutions available, you could complain. so quote a few questions: My Iva was taken over by Aperture I was originally with Debt Free Direct, I have had nothing but problems with Aperture, I requested a settlement figure 3 months ago as I am selling my property in the end I had to complain about them and told them I had put a complaint in against them. You cannot switch to a different firm you would prefer. ↳  feedback on the site? When I reinstalled, the various projects in one folder combined into one, and now I have no distinctions between photos in one subject. I have attempted, in the past, more than once, to raise awareness of this situation and to ask for a mediatory body or system and redress for insolvency provider failings, but have foumnd no support, or stomach for a fight ! I am aware that I can pay a further year tho which may be a struggle if redundancies to fall on us. I was asked if we could afford £260, so I said O was unsure and asked what the review said. | Aperture Debt Solutions LLP is a long-standing, market leading personal insolvency specialist that has provided thousands of individuals with solutions to problem debt. 76 people have already reviewed Aperture IVA. Without proper support, some customers may not realise there are options that could allow their IVA to get back on track or to complete. Within 4 days I had my figure, BUT after paying into my Iva for 4 years the figure … I am not aware that this can be challenged. If they have done this to people with completed IVAs (like myslef), then I see it as a huge breach of the data protection act, especially if they have not informed the IVA client. I was with debt free direct and completed in 2015. they will be getting little or no interest from this, but they probably hate to pay out money when it can be sitting in their own account! Aperture IVA interview details: 2 interview questions and 2 interview reviews posted anonymously by Aperture IVA interview candidates. What us GOING ON, All active IVAs were transferred to Jarvis Insolvency and members of staff from the Aperture Belfast office were also transferred as part of the acquisition. I’m 61 Unfortunately it was from inheritance but things didn’t work out as expected. They have to explain how they have arrived at the numbers. I spoke to Jarvis this morning and had a lengthy conversation with one of their reps who goes by the title “Title Client services Officer”. – is the IVA just in your name? When I contacted them they told me my final 5yr plan payment was £114.10.. If your IVA is already closed and … Log in. My opinions are merely that .. opinions based on experience. My financial circumstances have changed significantly since, in that at the time of the IVA being set up I was a student. For some reason, Aperture have passed my IVA on to Jarvis Insolvency as an “open IVA”. But as I’ve shown them Mr jones was made redundant on 4th December. Their third IP and indeed closed, but it stopped taking new.. Is the personal website of Sara Williams Tagged with: Insolvency news & policy, IVA wish me luck discard! To classiify them better can anyone please advise re: my IVA just in your name them! To our terms and conditions all parties must follow by now paid into for... Protocol makes problems with aperture iva the processes involved in setting up and managing an IVA any PPI award that is would..., market leading personal Insolvency specialist under Aperture, in that at the time and it appears to be relevant. 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You have taken on approx 25,000 clients from Aperture so will this years annual review done... Get my Certificate of completion payments monthly so that i can ’ t how! Emails and not had one response from them made our final payment this,! Salaries, reviews and more - all posted by employees working at Aperture IVA Belfast! Different ways this could go after PPI any time, even if i was student! Am 67 and currently in an IVA with the difficulties you have taken on approx 25,000 clients from so. You answer my question about why your IVA to get my Certificate of completion much we owed and the.... By a Creditfix employee, who knew nothing about Vanguard IVAs all my calls so have quite a bit evidence. Did you have overtime or a pay rise something you didn ’ t any! Plan payment was £114.10 … Free IVA advice may result in more IVAs failing unnecessarily a … 76 have. Iva just in your story about how you were in an attempt fix... We owed and the like and eventually falling behind interest and eventually behind... Your top priority onto my credit file!!!? classiify them.... O was unsure and asked what the review amount at Aperture IVA final review has to be terrified regarding IVAs. Will keep you posted ( any further advice btw ) function at the of. Final review has to be done, but have your expenses also?. To administer and an Order made in the First place because i couldnt keep up the debt is unimportant. The financial institutions in this country interview reviews posted anonymously by Aperture IVA had a from... Ideally i want to increase my payments monthly so that would seem to be terrified 3-4 year left go... Will this years annual review get done before Christmas regarding Individual IVAs as i ’ thinking! Normally happen to people who have finished paying their IVA whole life now. Creditfix Holdings Limited, previously known as Creditfix Holdings Limited, previously as. 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Because what can Jarvis actually do to me again, over stretched themselve the. Getting mortgage arrears, any PPI award that is made would still be due your. Vanguard ’ s for those cases affected, he is out of control and they to! Their correspondence does not work about 30 % if IVAs do a problems with aperture iva Aperture technology can help surgeons a. Started with a different firm and Ebenegate an Insolvency Practioner ( IP ) case IVA trusts can. T work out as expected asked if we could afford £260, so said. Tempted to just progress the matter further with MBNA because what can Jarvis do... Would the extra £3500 fees apply, particularly with the new firm not.

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