1 talking about this. 25 November 2015 at 12:00PM edited 30 November -1 at 12:00AM in IVA & DRO I have had an IVA for 6years and have just paid the final payment this month. An Individual Voluntary Arrangement or IVA will allow you to repay your debts at a lower rate over a set period In a nutshell An Individual Voluntary Arrangement (IVA) is a form of debt settlement.It allows you to repay your debts over a period of time, … You should also check the public insolvency register, to see if you have been removed from there too. Financial Conduct Authority Number: 681263. If you have a house, your IVA firm will remove the restriction placed at the Land Registry so you can sell it. ↳  IVA creditors meeting soon: wish me luck! please add your comment ! Contact Us. Totemic Limited is authorised and regulated by the Financial Conduct Authority. Firstly enjoy your moment and celebrate the relief. Aperture never ending nightmare! Telephone: 0800 088 7502 No, your IP will notify your creditors when that last payment has been received and everything has been processed. When is a full and final IVA settlement possible? We were put in touch with them by Step Change, I wonder if they still recommend them? Discharged today the 8th feb 2012. It confirms you’ve completed the plan successfully and that your Insolvency Practitioner is no longer the Supervisor. Aperture IVA Financial Services Belfast, Antrim 405 followers Aperture Debt Solutions LLP is a long-standing, market leading personal insolvency specialist. It can take up to 3 months after completion for your IVA listing to be removed so just keep an eye on this and query if it has been longer than this. About Aperture IVA: At Aperture IVA, it is our main goal to get you on the path to debt recovery and a brighter future! *In the case of a one-off lump sum settlement, Get free, confidential debt advice in just 15 minutes. An individual voluntary arrangement (IVA) is a way to deal with debt you're struggling to repay. This will check if you still need to pay anything into the IVA. This is due to the important fact that your income has been severely affected - which in turn would suggest the IVA payments will no longer be affordable to you. To notify the Insolvency Service that your listing is out of date, simply click ‘report an error’ at the bottom of the page detailing your case, then explain what is wrong. After what might have felt a long time coming, you will finally be debt free. You must select an answer before you may proceed, Repayment Arrangement (with your creditors), Examples Of How IVAs Have Affected Businesses, Examples Of How IVAs Have Helped Families. | Read 61-80 Reviews out of 70. I was fully aware of my requirements but the way its worded in my original iva with Clear Debt was that they may try and ask me to re-mortgage my equity release in the final year 6 months before the end date but the fact that Aperture didn't contact me at all in the last year suggested they were not pursuing equity release due to me not being able to re-mortgage. It normally takes six-eight weeks for your IVA Completion Certificate to be sent out to you. My opinions are merely that .. opinions based on experience. Unfortunately customer service is something many firms struggle with, often because they have you over a barrel and you feel unable to complain. My payments have doubled and im not happy. Aperture IVA Contact Number. Once this is all confirmed and approved you will receive an IVA completion certificate confirming your IVA has finished and your debts have been cleared. ↳  bonus, overtime, pay rises and windfalls. I had an IVA with Apertures IVA which ended in April 2019 (that was the last payment) for the past few weeks I have been trying to get a mortgage but havent passed with any major lenders, I have sinced looked into this and it turns out Aperture never signed my IVA off so according to the credit reports I am still in the IVA hence not getting passed on a mortgage and I have now lost … Totemic Limited is a limited company registered in England, Company Number: 2789854. So you’re approaching your final IVA payment, what happens next? 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. The offer has to be made by your Insolvency Practitioner. I called GT for to ask the next stage and they have told me it has been extended for another 12 months due to the equity in my property. IVA.info Ocean Business Centre, Ocean Street, Altrincham, WA14 5QL. After you’ve done this, your IVA company should send out your IVA completion certificate. However the fact is that some IVA companies (particularly the larger ones) take far longer. Once your IVA has been completed and your IP has finalised the last payment, you will be free to enjoy life knowing you have no more debt to worry about. * If you enter your phone number, IVA.com Group Limited will give you a courtesy call to ensure that your question has been answered. Back in 2006 I entered into an IVA with a company called Debt Matters which was subsequently transferred over to a company called Grant Thornton. It is however possible to reduce this period. or uuntil it is completed, whichever is later. 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 … You should also check the public insolvency register, to see if you have been removed from there too. Do you agree with Aperture IVA's TrustScore? This is called ‘making a lump sum payment’. * Any use of this forum is conditional on you having read and agreed to our terms and conditions. Based on this information, we believe we'll have a debt solution which can help you. Aperture avoid like the plague. However once your IVA has dropped off your credit file, you can start looking at repairing your credit score. The fact that we have spoken to 3 different customer service advisors since my final payment and they all said that it was progressing as scheduled and congratulating me on completion but not mentioning the equity release re-enforced this belief, I've already paid into the iva over 6 years and now look likely to start paying into it for a 7th due to Apertures total incompetence! If you can no longer make payments you should tell your insolvency practitioner straight away. Your Insolvency Practitioner will approach your creditors for you via a variation meeting and put forward your offer to bring the IVA to an early end. You should ask them to explain to you in full all of the consequences that cancelling your IVA will lead to. It allows a person to repay a percentage of their unsecured debt back to their creditors in affordable monthly instalments over a fixed term, usually around 5 years. An Individual Voluntary Arrangement (IVA) usually lasts for 5 years, and it can be extended if property is involved. I find this so weird to read this and others about Aperture. 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. On my IVA 2 years now of them that last payment has been processed flexible to suit your but! 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