Before the Certificate of Completion can be issued, steps are taken to ensure that all payments have cleared, that any funds due to be released from any assets have been paid in and that all dividends have been made to the creditors. Our goal to help put every client on the path to their 'brighter future' without the worry and stress that comes with being in debt. 76 people have already reviewed Aperture IVA. For example, you might promise to give them some of your salary each month, or to pay them a lump sum. We recommend continuing to stick to a budget to ensure you don’t find yourself out of your depth again and perhaps taking the money you were once paying into your IVA and moving this into a savings account each month. Posts: 38 Joined: Mon Dec 11, 2017 5:54 pm. Check out what 70 people have written so far, and share your own experience. This is the case regardless of whether your IVA is still open, or it has been completed. As you come to a close on your IVA there isn’t much to do on your part. The Individual Voluntary Arrangement is used as a mechanism to ensure creditors are bound by the agreement. My payments have doubled and im not happy. So you’re approaching your final IVA payment, what happens next? A P Smith MAAT MIPA MABRP Licensed by Insolvency Practitioners Association (UK). Totemic Limited refers customers to PayPlan Partnership and PayPlan Bespoke Solutions for Individual Voluntary Arrangements: PayPlan Partnership Limited is a limited company registered in England, Register No: 7199691 Registered offices: Kempton House, Dysart Road, PO Box 9562, Grantham, Lincolnshire, NG31 0EA. That was done and now I have the option of another 12 months of payments followed by another 6 month wait for a completion certificate hopefully.. Or I could have paid an upfront payment of £28500! * The question will be posted on our forum, we will email you the location. It confirms you’ve completed the plan successfully and that your Insolvency Practitioner is no longer the Supervisor. Aperture avoid like the plague. Simply enjoy being debt free! Your IP will check that all payments have been made on time and in full and then you simply make your final payment to complete the process. Licensed Insolvency Practitioner: NT Payne ACA FCCA MIPA MABRP Licensed by Insolvency Practitioners Association (UK). However the fact is that some IVA companies (particularly the larger ones) take far longer. Your Supervisor will inform the Insolvency Service once your IVA has been completed however so you shouldn’t have to do anything with regards to getting it removed from the register. The unsecured loan will be used to settle the remaining debt. Do you agree with Aperture IVA's TrustScore? Update, today I was told to go through the process of trying to remortgage even though they know I won't be accepted just so I could email Aperture the screen shot of the mortgage rejection. Read about their experiences and share your own! Laura Prescott is a licensed Insolvency Practitioner with over 15 years’ insolvency experience and, along with all the Jarvis Insolvency team, looks forward to helping you achieve your goal of becoming debt free. Our lines are open Monday to Friday, 9am to 5pm, and we are confident that we can help you whatever your financial situation may be. Totemic, the Totemic logo, PayPlan and the PayPlan Logo are all trademarks of Totemic Limited. The Arrangement can be settled early with a lump sum. Get help from our Specialist team today. * If you enter your phone number, IVA.com Group Limited will give you a courtesy call to ensure that your question has been answered. Get expert opinion. Your Aperture IVA Supervisor has been replaced by Laura Prescott who will be responsible for the ongoing supervision of your IVA. After what might have felt a long time coming, you will finally be debt free. It never hurts to keep some money tucked away for a rainy day. © IVA.co.uk is owned & managed by Net121 Limited. They' ve admitted they should have contacted me 12 months ago to go through the process but didn't and can't explain why so now my 6 year iva will now last 8 years by the time they send out a completion certificate! 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. Monthly IVA payments include fees and may differ to the example provided, based on the assessment made of your own personal circumstances – these fees will be clearly explained to you in writing by your IVA company. Want help to start an IVA? 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. Totemic Limited is a limited company registered in England, Company Number: 2789854. You will first need to discuss the amount you can pay with your IVA Company. *In the case of a one-off lump sum settlement, Get free, confidential debt advice in just 15 minutes. When your IVA ends you’ll receive written confirmation of this - known as a Completion Certificate. An Individual Voluntary Arrangement (IVA) usually lasts for 5 years, and it can be extended if property is involved. IVA.info Ocean Business Centre, Ocean Street, Altrincham, WA14 5QL. My IVA is officially complete, what do I do now? An individual voluntary arrangement usually lasts between five years if you keep up with your regular, agreed payments. * Any use of this forum is conditional on you having read and agreed to our terms and conditions. Firstly enjoy your moment and celebrate the relief. I have heard that it can take 6 months or more with Aperture. If you can no longer make payments you should tell your insolvency practitioner straight away. Aperture never ending nightmare! This page tells you what to do if you have an Individual Voluntary Arrangement (IVA) and it fails. You should also find that after a good few years living on a budget you now have some spare cash to indulge on yourself. However once your IVA has dropped off your credit file, you can start looking at repairing your credit score. Check everything has been updated You should check that all the has worked properly. 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. ↳  feedback on the site? There was one case where someone came back about the result of going to the regulator and I believe that it was against Aperture. How to settle an IVA early. 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. Take out a high interest savings account or even an ISA to ensure you’re getting the most for your money. View is much brighter now. The offer has to be made by your Insolvency Practitioner. 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. You should ask them to explain to you in full all of the consequences that cancelling your IVA will lead to. I am at loggerheads with a company called Aperture regarding a closed IVA & PPI. To do this, we'll need to take some more information in the way that suits you best: Are you self-employed? An individual voluntary arrangement (IVA) is a way to deal with debt you're struggling to repay. What on earth has happened to them??? Aperture IVA Financial Services Belfast, Antrim 405 followers Aperture Debt Solutions LLP is a long-standing, market leading personal insolvency specialist. One of the main reasons many people find themselves in debt is because they found themselves in an emergency situation they simply didn’t have the money to pay for. It is important to remember however that even though your IVA has finished it will remain on your credit file for six years from the date it was approved. It is important to remember however that even though your IVA has finished it will remain on your credit file for six years from the date it was approved. No, your IP will notify your creditors when that last payment has been received and everything has been processed. Contact Us. 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. The Aperture IVA contact number for new clients is 0333 939 7919. Aperture IVA Contact Number. I am currently on an iva and my debt is almost doubled due to iva fees.I have been on my iva 2 years now. Always seek professional advice. Licensed Insolvency Practitioners: NT Payne ACA FCCA MIPA MABRP Licensed by Insolvency Practitioners Association (UK). This will check if you still need to pay anything into the IVA. Financial Conduct Authority Number: 681263. Do you agree with Aperture IVA’s 4-star rating? Based on this information, we believe we'll have a debt solution which can help you. In most cases there is actually no reason why an IVA company should not be able to produce a completion certificate within 6 weeks of the last payment. About Aperture IVA: At Aperture IVA, it is our main goal to get you on the path to debt recovery and a brighter future! 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! Registered Office: Kempton House, Dysart Road, PO Box 9562, Grantham, NG31 0EA. 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. After you’ve done this, your IVA company should send out your IVA completion certificate. Give us a call (0800 077 6180) or complete the form below to speak to one of our experts. They were always available, helpful and everything was handled in a timely manner. *An Individual Voluntary Arrangement (‘IVA’) is subject to the customer meeting qualifying criteria and gaining creditor acceptance. Registered Company Number 03834474. If they feel it is likely to be accepted they will propose it to your creditors. The IVA marker will remain on your credit records until 6 years from the start if your IVA. It normally takes six-eight weeks for your IVA Completion Certificate to be sent out to you. You should also check the public insolvency register, to see if you have been removed from there too. As has been explained to you, your IVA was transferred by order of the High Court to Aperture Debt Solutions LLP (“Aperture”) on 29 January 2016, following the transfer of approximately 8,700 other cases where I was the Supervisor; as a result, I am no longerthe Supervisor of your IVA and he is now in office. If you have any doubts or queries regarding your IVA that is coming to a close, our experts are on hand to answer your questions. An Individual Voluntary Arrangement, or IVA, can reduce the cost of your debt to a single, more affordable, monthly repayment. kristian. Set up and managed by an insolvency practitioner (IP) an IVA is a form of insolvency which allows you to write off up to 81% of unsecured debt with government legislation, and offers an alternative to bankruptcy. PayPlan is a trading name of Totemic Limited. It's an agreement between you and your creditors (organisations you owe money to) that sets out when and how you'll repay them. Voice your opinion today and hear what 70 customers have already said. This is because it has to be set up by a professional, known as an insolvency practitioner. | Read 61-80 Reviews out of 70. An Individual Voluntary Arrangement or an IVA, is a legal method of resolving debt problems. Once a monthly payment IVA starts it usually continues for at least 5 years. Fill in our simple, 3-step form to get immediate debt help and advice. 1 talking about this. 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, … 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. Your IVA is a type of insolvency; therefore, your credit file may have been significantly impacted leaving you with a low credit score. 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