Your income must have gone up but have your expenses also increased? I’ve also had a call from a grant Thornton number !!! I suggest you phone back and if you do not get a better response, you ask to speak to a manager or to have a manager call you back. Was your IVA originally 5 years or 6. It then purchased many IVAs from other firms – buying ClearDebt’s IVAs in 2016 and Debt Free Direct’s IVAs in 2017. from a practical point of view, you are not going to get the PPI refund paid to you and the most important thing is surely to get your IVA closed asap. Powered by phpBB® Forum Software © phpBB Limited. My IVA finished at the end of June 2019. 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. That said, there is no way my IVA in any shape or form could be described as “open” and as such should not have been sold to Jarvis Insolvency. Hi Sarah – you have a Creditfix IVA? Close. Are these just thieves? They eventually gave me the compensation interest back as they are legally not allowed to keep this but it took 4 months of chasing them. The process took 5 days. Do you agree with Aperture IVA’s 4-star rating? 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. Have your expenses gone up? – is the IVA just in your name? I think that closed IVAs have stayed with Aperture. If my IVA finished at the end of June 2019, it should not have been sold/passed to Jarvis Insolvency. No, I think the real problem was that Apple was forced to drop Aperture's price from $500 to $80. It can be sold to another firm or outsourced to a firm who thinks they can process the IVA more cheaply. She has confirmed that my IVA was fully closed down and completed on 20th September 2019. As a general policy we don’t email, text or call after each payment is received. 464 likes. 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. The last contact I have had with anyone from aperture re my IVA was an e-mail at the end of August congratulating me on completing my IVA. Again, when they sold my IVA to Aperture, I had no contact with anyone, by any means, to inform what was going on. On 5 September 2020 Jarvis Insolvency announced: Jarvis Insolvency have recently taken over your IVA from Aperture and will now be managing and supervising your IVA moving forwards. 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. This situation is worrying for us. We wouldn’t be able to pay full amount of mortgage payments We’re no awaiting our 1st universal credit payment on 14th January but we won’t know until 10th January what amount we’ll be entitled to.. Is there anyone on this forum using them and still in contact with them I’m thinking they have closed down. But there is nothing you can do except cross your fingers and hope yours goes through ok. We took an IVA with vanguard in May 19 and everything has been fine, paid every month no problems but we had no contact about our annual review until September when I was told by Ebenegate that we should be paying over £300 instead of £117. I have never missed a payment either. My Iva was finalised in TWO WEEKS, not six … Aperture was itself spun out from Grant Thornton in 2015. Can you get refunds from catalogues, credit cards & overdrafts? 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. This is a total and utter disgrace and yet another example of the FCA not really interested in those in debt. However they allow these sharks to continue to make profits and then to discard people on a whim. This weekend, the Ebenegate phone number on the Vanguard website was answered by a Creditfix employee, who knew nothing about Vanguard IVAs. 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… I receive pip,my husband was furloughed and his company are making redundancies shortly,he’s just recovered from 2 bouts of bladder cancer.can someone advise me please. On your point of being unable to object or influence being ‘sold on’ as a commodity, I find it egregious that those in an IVA have, effectively, no voice once they are ‘hooked’. I went through a period of months not actually repaying any of the credit card and just paying interest and eventually falling behind. A small aperture essentially provides continuous extended depth of focus. We’ve just had a letter from Lloyds bank saying a ppi case has been paid to aperture via a claim from first dispute.. Aperture was due to close the case, as all payments were made back in January 2020 and they’ve dragged their heels insisting on a final year equity release review. So they are correct – well probably, it does depend on the wording of your IVA but you would need a solicitor to advise on that – that they can go after the PPI when your IVA is open. Oh dear. 3. So that takes the pressure off you. So there are no concerns or worries on that front. IVAs that have already closed whilst with Aperture Debt Solutions remain with them. At that point you may want to ask Jarvis to agree to complete his IVA on the basis of the payments he has made so far. All you can do is talk to Jarvis: welcome@jarvisiva.co.uk. 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 ! Any payments made have been processed within your IVA as all direct debits were transferred over. Firstly – congratulations on maintaining your payments into your IVA for 5 years, particularly with the difficulties you have mentioned above. If a PPI payment has been received, it will be due into your IVA for the benefit of your creditors. I’m sick with worry,julie, I paid my last 5yr plan payment yesterday to jarvis.aoerture hasn’t replied to my email on the ppi payment they’ve received. 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