You are right Sara – only active IVAs have been transferred to Jarvis Insolvency. If these people are getting you down, telling you lies, not returning your calls- copy the Insolvency Practitioners Association in London into everything and make a formal complaint to them. Also have you or anyone on here done or heard of anything like this before? An annual review is required on each IVA within 2 months of the anniversary of the IVA, so it very much depends on the date that your IVA was approved. Because of both your health problems there is a case for saying that is what should happen anyway, even if your husband keeps his job. I will keep you posted (any further advice btw). So that takes the pressure off you. As I delve more into this and do more reading I start to realise I could have been missold an IVA as a resolution to my problem. This can be for a variety of reasons such as long term illness, redundancy, or even just paying for everyday goods and services. more than 60 replies, ↳  the hot hot IVA topics in 2007, 20 replies plus. In fact, approximately 8,700 IVA cases where I was the Supervisor were transferred to Gareth William Neill of Aperture Debt Solutions LLP (“Aperture”) on 29 January 2016, following a business agreement between ClearDebt and Aperture. There must be some way of challenging these company’s. Freephone (including all mobiles). Hi Chris Aperture IVA | Helping People Take Control Of Problem Debt (2 days ago) If your iva is already closed and you are contacting aperture about mis-sold ppi claims, which are the subject of a post iva trust (pivat), you can have your queries answered by emailing [email protected]m. DA: 15 PA: 15 MOZ Rank: 16 Apertureiva.com Go URL On the plus side, if you insist on your creditors being asked to approve completing the IVA on the basis of funds paid to date, that will now include the PPI claim so hopefully your creditors are more likely to agree. Or where it was reported but the IVA firm incorrectly ignored it – which may have happened with Aperture. You won’t know how long that will be until you know what UC you will get and if you can get the mortgage payment break. And if your IVA fails now, you may not have paid all the fees so they can then be taken. If your husband does lose his job, you need to know that mortgage lenders are being told by the FCA, their regulator, that they have to give support to all people who can’t pay the normal mortgage payments because of coronavirus problems. 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. I owed £13k to 6 creditors. I am aware that I can pay a further year tho which may be a struggle if redundancies to fall on us. I have called and got cut off . I feel people must make a stand as with the state of the Country and with many, many more who will now fall into crippling debt, these sharks are going to line their pockets while ruining lives and with nowhere for the client to go….THAT…….is the scandal. Every time. Well if you were in an IVA any PPI refunds should go to your IVA firm. 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. Question: Q: Aperture Problem. Yes, they have my IVA. There is no mention that the IPs have changed so Vanguard remains responsible for these IVAs. If your IVA is already closed and … I have since found your site and am slightly more informed https://debtcamel.co.uk/gt-ppi-letters-after-iva/. Plus holidays owed. I went through a period of months not actually repaying any of the credit card and just paying interest and eventually falling behind. I wondered if that could help me get out of the IVA early and if it says completed on my credit file would it then help my chances of getting a mortage? Notify me of follow-up comments by email. You cannot switch to a different firm you would prefer. First Dispute Management (“FDM”) have been instructed to act on behalf of IVA estates by Aperture Debt Solutions LLP to investigate possible mis-selling which would form an asset in IVA estates. Within 4 days I had my figure, BUT after paying into my Iva for 4 years the figure they have given me is a lot more than my original debt, £2600 more infact. The changes come at a difficult time. This is where it gets difficult for people with IVAs. My daughter says she is going to give me 7k to help me out. Payments made into your IVA will be utilised to pay any outstanding fees and then will be paid to creditors as a dividend payment. My financial circumstances have changed significantly since, in that at the time of the IVA being set up I was a student. It will still make it very hard to get a mortgage – but of course you will have a large deposit when you do get one, which is good. More cheaply have already reviewed Aperture IVA Insolvency Practitioners, we … Aperture IVA Practitioners. ( apparently ) when i began not being able to keep up the payments: welcome @ jarvisiva.co.uk what! Earn lots more a month and is it hard to manage stream of income the! People ’ s end of August 2019 is received your supervisor an outsourcing at... Year of my monthly payment of £2800, surely this can be sold to another firm or outsourced a... 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