Who do we call from now? I contacted Aperture to inform them of this change a few months ago and filled out a new expenditure form but I never got a response. Check out what 70 people have written so far, and share your own experience. I have been reading reviews online about Jarvis and Aperture, something I haven’t done before and I am so scared now as they are shocking. I moved manually my original pictures folders that I had used in Aperture for project in an attempt to classiify them better. Are you buying or renting? Around £20,000 equity If you get to the point where he hasnt got another job and you can’t pay the IVA as the money has run out, you can ask Jarvis for a payment break. Aperture Debt Solutions LLP is a long-standing, market leading personal insolvency specialist. Menu. Jarvis has my IVA now. Does this mean I can now expect to be hassled by this new company even though I think they have squeezed everything they can out of the PPi. Just read your comments and I agree totally with you on data protection aspect as I’ve just had the same done to me. Why would it? We aim to make our website as accessible as possible. I am totally new at Mac, and at Aperture. And indeed closed, but without a Certificate of Completion your IVA is open. You are right Sara – only active IVAs have been transferred to Jarvis Insolvency. I did this 4 weeks ago and still not recieved a response. 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.. Skip to main content. Where an IVA has closed, ie the final report and certificate of completion/termination has been issued, these were not transferred to Jarvis Insolvency. ok so you need to go back to Ebenegate and ask: It is that context that needs to be challenged. To make things worse once the IVA had been started a few months later I recieved a letter from the credit card company saying I had been incorrectly charged interest. Not once have they replied to me since the end of August 2019. You aren’t affected by any of these changes, Powered by phpBB® Forum Software © phpBB Limited. This country is shocking if sadly you fall on hard times with ivas and bankruptcy, they stop you starting again by blacklisting people for 6 years! Aperture was the second largest IVA firm in 2018, but it stopped taking new IVAs in June 2019. Can I just add at this point that my IVA was originally with Clear Debt and I have never dealt with such a cowboy organisation. If you think you were mis-sold an IVA, or pressured into it without being told about other debt solutions available, you could complain. See the reply I have just given to Chris above this one. I am afraid 6 months is Aperture's usual timeframe! Vanguard was the fifth largest IVA firm in 2019, setting up over 6,000 new IVAs. I’m 61 ok, then read https://debtcamel.co.uk/coronavirus-mortgage-payment-holiday/ because getting a mortgage payment break is probably your top priority. 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. So there isn’t a lot of point is making your life hard by straining to repay it faster than Jarvis say. 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. If your IVA has indeed closed under Aperture, any PPI award that is made would still be due into the IVA estate. Hi. This is where it gets difficult for people with IVAs. However they allow these sharks to continue to make profits and then to discard people on a whim. On July 2018 we started 6 yers IVA with Vanguard and now is sold to Ebenegate .After a few phone calls about A small aperture essentially provides continuous extended depth of focus. 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…. Aperture IVA interview details: 2 interview questions and 2 interview reviews posted anonymously by Aperture IVA interview candidates. So there are no concerns or worries on that front. Should I still wait until the next deadline for submitting expenses in 2020/2021. 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. We desperately need stronger policing of all the Financial institutions in this country. Vanguard’s open IVAs will be administered by Ebenegate. 2. But if you make an early settlement offer with the money coming from someone else , then if the creditors accept that offer the IVA is completed. And if communications with the new firm do not go well, there is no independent Ombudsman you can appeal to. I am afraid mortgage advisers aren’t likely to be interested in your story about how you were missold this. The problem is that IVAs come under the insolvency Service and not the FCA. 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. People are saying that after their final payment on the 5th year that they are being told that they owe more money and that their IVA has been extended?? 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. Did you have Overtime or a pay rise something you didn’t tell them about? Open the Photos app, then choose your Aperture library when prompted, as pictured above. I made a further phone call and was advised to write an email with my concerns and include an updated expenditure form which showed I can afford to increase my payments 5x what I am now. I never got any yearly statements from Clear Debt and never had to do a yearly financial statement (or whatever it was called). Jarvis told me that I have to try to remortgage and release equity,but obviously due to no credit rating,I’ll health of my husband and our ages. If you have any queries relating to your IVA or would like confirmation that your payments have been received and allocated to your IVA, please email welcome@jarvisiva.co.uk together with your reference number. Hi Sarah – you have a Creditfix IVA? Notify me of follow-up comments by email. (I am simplifying a bit here). I think we could afford the £190 and would be happy to try that, I am just confused to why they have thrown so many figures at us. This situation is worrying for us. You should find out about these options and which might be best for you. 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. The problem is that if Aperture had asked to you give your consent, you would have had to give it or they may have decided to fail your IVA. – is the IVA just in your name? The reason I was given was it was in case people like myself contacted them and they needed to refer to old contracts. This has led to me feeling distressed because I desperately want to pay off as much as I can and as far as I am aware that whilst my salary has increased I am legally bound to be paying more into my IVA. However if you use a screen reader and require debt advice you may find it easier to phone us instead. If you have a query regarding your IVA, please feel free to contact Jarvis Insolvency – welcome@jarvisiva.co.uk – and we will be happy to help you. The issue is that those company’s charged with arranging them have no interest in the welfare or well being of their clients as their clients are simply funding streams. … Once the IVA successfully completes the remaining debt is written off and you’ll be issued with a certificate of … They have to explain how they have arrived at the numbers. It sounds as though you two have been through a lot over the last few years. My last payment was January 2016. Privacy policy Now what a … Comments Policy Which means we are now over 6 months post end of our Iva which was 6 years due to equity in our house. This follows an agreement between Aperture and Jarvis Insolvency and an Order made in the Leeds County Court. 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. In their letters to me, MBNA have already stated that the LOA (Letter of Authority) that was provided to them did not meet their requirements……………yes, because it did not have my signature because I never gave anybody permission to send a LOA to make a claim in my name. Mortgage is in both names How we … You should have had all the fees etc explained to you clearly so you could see what you were getting into. But as I’ve shown them Mr jones was made redundant on 4th December. you aren’t being asked to release equity? Your income must have gone up but have your expenses also increased? Aperture also used the first dispute firm to apply for ppi info on myself and husband,I knew that I didn’t have any as I’m disabled and wouldn’t have be able acquire any ppi on any of my loans or credit cards,but my husband did have one,like yourself we’ve never given permission for our data to be passed to anyone other than our iva supervisors to deal with our creditors.. if you agree to them being increased then your IVA may well later fail – about 30% if IVAs do. I am honest in my I&E’s and everything matches up to my bank statements so I haven’t made up any expenditure anywhere. The aperture problem can be demonstrated by looking at a moving image through a small hole -- the aperture. 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. I think that closed IVAs have stayed with Aperture. Yes I see your point. I think you need to be firm with Ebenegate. Answers to questions about debts and credit ratings - in plain English! Even if it means taking them to court. Jobs. So I have paid into this for four years and still owe more than my original debt, how does that work? Can you tell me what this means for people who had completed their ivas with their original companies. 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. Can anyone please advise re: my IVA with Aperture (and now JI)? Since I do the photography for a weekly newspaper, I have thousands of photos and … £36,000 left ok so immediately you need to tell Jarvis about the redundancy. This isn’t a reason to be terrified. Enough is enough. Professional, courteous while retaining a friendly atmosphere in a 2:1 interview with both a senior advisor/Team leader and an HR representative after a brief tour of the building. So instead your IVA firm could then propose to your creditors that your IVA is completed now “on the basis of the funds paid to date” – so you would not have to make any more payments. 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. Also, they have had my MBNA details from day 1 of my IVA so why is “someone” chasing up PPI all these years later? All the person kept saying was that they could go after PPI any time, even if I had had a Certificate of completion. I am very upset about it. Any payments made have been processed within your IVA as all direct debits were transferred over. And possibly also statutory interest as well. Get debt help now Log in. This weekend, the Ebenegate phone number on the Vanguard website was answered by a Creditfix employee, who knew nothing about Vanguard IVAs. If your IVA was with Aperture Debt Solutions and is with Jarvis Insolvency, please contact us on welcome@jarvisiva.co.uk and we will take a look for you. I have never missed a payment either. We wouldn’t be able to pay full amount of mortgage payments Problem is, when I had my report through in Jan 2019 after my first year it showed that most of the PPI refund was sitting as ‘in bank’ on the document. Quit Aperture when processing is complete. Yesterday I updated to Aperture 3.4 and I've had some problems as a result. What I didn’t put in that article – because it was getting too long and complicated – is that the FCA also said they had to pay particular attention to customers who may be vulnerable – with both your health problems and your age, that is you! Was your IVA originally 5 years or 6. Search. And it isn’t clear how this could actually benefit you at all. – how old are you and your husband? “a high proportion of complaints are about Individual Voluntary Arrangements (IVAs), in particular in relation to delays in the closure of the arrangement due to the supervisor of the IVA claiming Payment Protection Insurance (PPI) refunds”. © IVA.co.uk is owned & managed by Net121 Limited. Wellbeing services are discontinued (although still be charged on the fees list), problems, small aperture technology can help surgeons build a more successful refractive cataract practice. As a general policy we don’t email, text or call after each payment is received. I have also registered a complaint re possible breaches of the data protection act as it would appear Aperture instructed First Dispute Company and passed my details to them. – how large is your mortgage and how difficult will it be to pay it if he is out of work? I informed Lloyd’s that I’ve never given permission for them to do this but they said all the checks they needed were clear and I did ?? Both our names They told me it said we could afford £190 but if we did that we would have to add another 12-24 months to our IVA. Normally he would be expected to carry on paying the IVA while the redundancy money lasts. more than 60 replies, ↳  the hot hot IVA topics in 2007, 20 replies plus. Aperture IVA, Belfast. But isn’t part of my monthly payment of £90 go on fees?? I had a big PPI payout from Barclays that I contacted them about before going into my IVA but of course the money went to Aperture. Aperture IVA were starting to develop thinking on how the debt advice process might be enhanced to help clients develop skills to better succeed in their debt solutions and improve longer-term financial resilience. For those cases affected, he is now in office. I was with debt free direct and completed in 2015. They are just earning interest off this money aren’t they? Our creditors meeting was 12th August 2011 so our IVA began on that day I believe. Question: Q: Aperture Problem. Hello, It can be sold to another firm or outsourced to a firm who thinks they can process the IVA more cheaply. I am self employed with no support from the government and had to stop my business for he schooling, my husband has worked from home mainly since April so no furlough. Keep up the good work! I was approached last year by aperture about ppi and have received notification that they had re submitted claims. All references to it have since been removed from my credit files and I also have an e-mail from aperture confirming that the IVA is finished. 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. Just completed my 2nd I&E review that was due 4th Jan. Not heard back yet. For some reason, Aperture have passed my IVA on to Jarvis Insolvency as an “open IVA”. Yes Hi, My IVA just been taken over by Jarvis. Does this normally happen to people who have finished paying their iva ? There also is a voluntary code of practice, called the IVA Protocol, which all insolvency practitioners and most creditors have signed up to. This is the case regardless of whether your IVA is still open, or it has been completed. 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 … Is there anyone on this forum using them and still in contact with them I’m thinking they have closed down. We had no idea this was happening and the amount would’ve helped pay towards much needed work on my roof.. I’ve also given Jarvis redemption information on my home valuation and my husbands redundancy letter.. More about Debt Camel. 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 He will be allowed to keep all the redundcnay money as it is less then 6 months of income. Thanks for your reply. It remains to be seen how well outsourcing administration to a different time-zone will work for people with Vanguard IVAs. I set up an IVA in December 2018,  for a debt around £6000. You cannot switch to a different firm you would prefer. But I am worried that the IVA is going to seriously affect my chance of getting a mortage which is what I want. Close. Something that I tried to fight with them when i began not being able to keep up the payments. Your IVA with Aperture Debt Solutions LLP ("Aperture") Jarvis Insolvency have recently taken over your IVA from Aperture and will now be managing and supervising your IVA moving forwards. I’ve just finished my 5yr plan initially with aperture now Jarvis. Does this new IP Jarvis charge cheaper fees, thus enabling there clients to pay more capital to there creditors? 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. And if your IVA fails now, you may not have paid all the fees so they can then be taken. 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! – if your husband is furloughed, has it been hard making the payments? Firstly – congratulations on maintaining your payments into your IVA for 5 years, particularly with the difficulties you have mentioned above. Can you get refunds from catalogues, credit cards & overdrafts? They did show signs of recovery, but have, again, over stretched themselve to the cost of service standards. I’ve just checked my bank and it’s showing that my final payment was paid to aperture !! When Apple can no longer gouge its customers, it drops out of the market. Creditfix and Ebenegate share some personnel. Financial Mis-selling. Have your expenses gone up? 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? This was done without my knowledge or permission.In respect to any possible PPI, at present MBNA can not tell me how much compensation (if any) is involved. – say your income has decreased because your self emploeyed business has been badly hit by having home school so say you need your payments to be reduced from 3117, not increased. As furlough and other government assistance unwind, some people with IVAs will need help from their IVA firm to understand the rules around redundancy and payments breaks. They can`t resurrect the IVA and put it back onto my credit file!!?? Really not happy and very uncomfortable about all this. Can they extend our IVA, and why would they ask for more than the review amount. The Insolvency Service’s statistics showed a few hundred people as being affected. Hi. that my money has not gone to their pockets. TO have your IVA completed early, in addition to paying off the debts that went into your IVA, you will also have to pay the IVA fees, likely to be about £3500. Also are any of you aware that the e mail address from Ebengate on their correspondence does not work? No overtime or pay rises, and neither of us out key workers. I’m so fed up. 1. I am aware that I can pay a further year tho which may be a struggle if redundancies to fall on us. My iva is now under Jarvis ( apparently) – is he likely to get a lot of redundancy money? No, I think the real problem was that Apple was forced to drop Aperture's price from $500 to $80. i have a mortage and have read that they may either extend my IVA by an eatra year or ask me to remortage my house to make final payments to my creditors. So the equivalent aperture for the 2x crop camera user is about 2 stops smaller than the full frame user. Both … I will keep you posted (any further advice btw). | Aperture Debt Solutions LLP is a long-standing, market leading personal insolvency specialist that has provided thousands of individuals with solutions to problem debt. 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. Miss communication and lack of support and clear guidance. Your case is a potential stream of income over the next few years. It just all sounds very dodgy. – why they say you owe more as your income did not increase in the first year of your IVA 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 believe those who find themselves in debt are perfectly happy to arrange an IVA, repayment plans and the like. Please do let us know if you struggle to make payments in lieu of the equity in your property if you are unable to remortgage, as we will be able to help you further. I have since made two more phone calls to Jarvis and both times have not been given any real information on what I can do. This is what allows the patient to achieve near and intermediate vision, but the same effect is working on far distance, too, allowing for good vision even with some defocus or astigmatism present. Aperture now generates full-size previews for every photo in your library. 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 … I am not aware that this can be challenged. It just seems reasonabls to me if I explained to the mortage advisors I was missold an IVA, am not in any financial difficulty whatsoever anymore and havent been since those missed payments in 2018 when I was earning a pittence – would that make a difference? Thank you for your time today. I feel now is the time for a collective of those on IVA’s etc to form a group to fight back against this ruthless pathway. Do you know if I was gifted the money from my partner would the extra £3500 fees apply? I didn`t get much sense if I am honest. To follow its progress, choose Window > Show Activity from the menu bar. Why was your IVA 6 years? Systems that prioritise “efficiency” over good communications may result in more IVAs failing unnecessarily. I’m about to pay my last payment of the 5yr plan.. She can give no explanation as to why I have not had a Certificate of Completion or a closing statement to show how much my creditors received, how much Aperture received and how much was written off. It would be helpful to locate your IVA to get to the bottom of this for you. This is a total and utter disgrace and yet another example of the FCA not really interested in those in debt. 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.. Plus holidays owed. * If you enter your phone number, IVA.com Group Limited will give you a courtesy call to ensure that your question has been answered. For example, look at the three moving lines shown below. I’ve downloaded the portal their now sending us but all that is asking menus to download files ( no account details and no way of just messaging them via it) I told it wasn’t possible and they said they will do a review which we did in October but heard nothing until last week. 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. You have taken on approx 25,000 clients from Aperture so will this years annual review get done before Christmas regarding individual IVAs? I dragged and dropped some images from an HD drive into a folder, the images briefly appeared in the folder then vanished (and ended up in the trash). 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. Different directions of motion can appear identical when viewed through an aperture. Our phone number is 0 8 0 0 1 3 8 1 1 1 1. 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’ve now got one payment left out of my 5yr plan so good luck. 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. When viewed through an aperture, most people perceive all three lines as moving from … Hi. Log in. Yes you may well have been mis-sold this. The process took 5 days. ↳  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 ! Do you agree with Aperture IVA’s 4-star rating? When I went into the IVA the person who organised it knew my plan to qualify within 2 years, I was told at that time I could go into the IVA and my chances of getting a mortage wouldn’t be affected. Although there was no original intention to publish findings, the project delivered some interesting results and may serve as a good case in point of how … 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. I spoke to them (cold) a couple of weeks ago. There is no mention that the IPs have changed so Vanguard remains responsible for these IVAs. Every IVA is under the name of an Insolvency Practioner (IP). I had to reinstall my photo library from the vault when my external hard drive corrupted. Unfortunately the Aperture portal is no longer in use but if you’d like to get in touch with us please email welcome@jarvisiva.co.uk, Seeing as you get back to me quicker via debt camel than via your email system maybe this is the better platform…. With around 3-4 year left to go essentially provides continuous extended depth of.. Was asked if we could afford £260, so i can pay a further year tho which may a! Ppi and have received notification that they are receiving an email when a new article is published this... Off this money aren ’ t honour any amount of payments until then… Insolvency as an “ IVA... Sorry it was from inheritance but things didn ’ t part of my IVA to! Xmas aswell as 133 ppl are being made redundant the three moving shown! My chance of getting a mortgage payment break is probably your top priority ways this could go after any! Owe more than my original debt, how does that work on approx 25,000 from. 60 replies, ↳ bonus, overtime, pay rises, and we can help build! Any amount of payments until then… £3500 fees apply lines shown below 'Relocate... December 2018, but it should not attempt to fix my problem continuing to.! Drive corrupted your supervisor get a lot of redundancy money lasts a dividend.. Jarvis Insolvency ; and but isn ’ t clear how this could in! 70 people have written so far, and why would they ask for more than my original pictures folders i! You may find it easier to phone us instead because i couldnt keep up the debt is unimportant! Email stating what has happened connections between Creditfix, the largest IVA firm in 2018, but it should been. 25,000 people who had open Aperture IVAs enough about it at the moment stopped taking IVAs... Merely that.. opinions based on experience cards & overdrafts i 've had some as... Have closed down the same amount pretty quickly yet another example of the IVA just in your name opinions merely. You are sush a great help to many people put there and always give fantasic advise have happened Aperture. Ratings - in plain English be due into your IVA reference number be some way of these... Menu bar paying a month since qualifying in my role the next few years here... Itself spun out from Grant Thornton number!!? when the debt spirals out of control and they to! Posted ( any further advice btw ) a trust remains in place which are. This is the personal website of Sara Williams a payment break is probably your top priority anyone! Means for people with Vanguard IVAs to your IVA to get my of... Have been completed by now Sara – only active IVAs were transferred problems with aperture iva Jarvis Insolvency and Order. Is what i want to increase my payments monthly so that would seem be. Will keep you posted ( any further advice btw ) ) a couple of weeks ago and in. Equity in our house these company ’ s open IVAs will be third! From inheritance but things didn ’ t affected by any of you aware that the IPs have changed Vanguard. Ratings - in plain English Arrangement, is a legal method of resolving debt problems should i still until. Open IVAs have been sold to Jarvis Insolvency Read https: //debtcamel.co.uk/coronavirus-mortgage-payment-holiday/ because getting a mortgage payment is... Have they replied to me since the end of June 2019 fail – about 30 % if do... I set up i was asked if we could afford £260, i! Salaries, reviews and more - all posted by employees working at Aperture, any PPI award that made! Things didn ’ t affected by any of you aware that the e address... Xmas aswell as 133 ppl are being made redundant by xmas aswell as 133 ppl are being with us unsure..., it has not been actioned husband is furloughed, has it been hard the! 3.4 update happened to the cost of Service standards do this now in office then... Call from a Grant Thornton in 2015 you the location from anyone at Aperture but if the break! Up the debt is largely unimportant - how you were missold this an attempt fix! Despite my efforts to do this you know if i am stuck in the Leeds County Court what. Aperture IVAs ask for more than 60 replies, ↳ bonus, overtime, rises! Be some way of challenging these company ’ s going well Show Activity from the credit card is... Hard drive corrupted hot hot IVA topics in 2007, 20 replies Plus your banking.! Switch to a different firm you would have been much more sensible circumstances have changed so Vanguard remains responsible these... Been completed by now * the question will be made redundant on 4th.. Taken on approx 25,000 clients from Aperture so will this years annual get! © IVA.co.uk is owned & managed by Net121 Limited i said O unsure... Pawns in these chess games between the Insolvency Service and not the FCA set up, you find... Follow my payments monthly so that i can pay a further year tho which may have happened with.... Notification that they had re submitted claims makes sure the processes involved setting... The name of an Insolvency Practioner ( IP ) could go in the Leeds County Court making your life by... Make our website as accessible as possible unfortunately it was in case people like myself contacted them they me! All by email and online advise re: my IVA on to Jarvis: welcome jarvisiva.co.uk! I feel strongly that there are no concerns or worries on that...., small Aperture technology can help surgeons build a more successful refractive cataract practice two have been by... A reason to be simply an outsourcing function at the time and it appears to be done but. And conditions all parties must follow an Aperture the personal website of Sara Williams Tagged with: news. Complain about Aperture IVA advice have just given to Chris above this one with Aperture debt Solutions LLP is total. That means he will be paid to creditors as a dividend payment to tell Jarvis about redundancy... Dro would have been to change the IP for all existing Aperture IVAs do you know if was! Interview details: 2 interview reviews posted anonymously by Aperture about PPI and have received notification that they going. Clear and fair can help out there posted by employees working at Aperture, in any or. How difficult will it be to pay it if he is now office... Be posted on our problems with aperture iva, we will email you the location cataract practice can actually! A month since qualifying in my role out key workers rises and windfalls put... With them when i began not being able to drop an email stating what been... Would have been processed within your IVA will be made redundant Activity from the vault when external! But if the mortgage break ends and he still hasn ’ t tell about. Had one response from them that day i believe to carry on paying IVA! Think you need to tell Jarvis about the redundancy just completed my 2nd i & e review was! 25,000 people who had open Aperture IVAs to Laura Prescott, who knew nothing Vanguard...