We aim to make our website as accessible as possible. So I used: 'Relocate original' and also 'Locate referenced file' in an attempt to fix my problem. 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? 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. 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. Aperture IVA . 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. Creditfix and Ebenegate share some personnel. 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. 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. Anyway by the sounds of it I am stuck in the IVA until 6 years are up. I am aware that I can pay a further year tho which may be a struggle if redundancies to fall on us. My Iva was finalised in TWO WEEKS, not six … 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. “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”. There has to be a reason why your payments should be hiked or they can say that you should have paid more earlier – you agreed to much lowetr payments. 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. 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. problems, small aperture technology can help surgeons build a more successful refractive cataract practice. Yes I see your point. But if the mortgage break ends and he still hasn’t found a job, that means he will start getting mortgage arrears. 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.. Miss communication and lack of support and clear guidance. A final review has to be done, but it should have been completed by now! Debt Camel on Twitter, https://debtcamel.co.uk/payment-breaks-end-pay-mortgage/, https://debtcamel.co.uk/gt-ppi-letters-after-iva/, https://debtcamel.co.uk/coronavirus-mortgage-payment-holiday/, Amigo’s Scheme (2) – key points to think about. Finally, ClearDebt are not called Aperture. Freephone (including all mobiles). I moved manually my original pictures folders that I had used in Aperture for project in an attempt to classiify them better. I realized my mistake, when Aperture could not locate them. 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. 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. Which means we are now over 6 months post end of our Iva which was 6 years due to equity in our house. if you agree to them being increased then your IVA may well later fail – about 30% if IVAs do. Or the image is simple too dark. The UC won’t help with your mortgage – have you asked your lender for a payment break? They will be charging fees for processing the IVA payments. Close. I’ve now got one payment left out of my 5yr plan so good luck. Jarvis has my IVA now. The image above shows a comparison between a camera with an APS-C sized sensor on the right, and a camera with a full frame size sensor on the left. Oh dear. After your IVA is set up, you become a commodity for many of the large IVA firms. Did your husband get paid any redundancy money? 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. It remains to be seen how well outsourcing administration to a different time-zone will work for people with Vanguard IVAs. 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. More info. 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 reason I was given was it was in case people like myself contacted them and they needed to refer to old contracts. 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. 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 think that closed IVAs have stayed with Aperture. Did you have Overtime or a pay rise something you didn’t tell them about? Congratulations on making your final voluntary contribution into your IVA. I’ve just checked my bank and it’s showing that my final payment was paid to aperture !! Join the 7,000 people who receive an email when a new article is published: This is the personal website of Sara Williams. Either you have an aperture alignment problem and you need to use the centering micrometer to adjust in conjunction with focus wobble. Any payments made have been processed within your IVA as all direct debits were transferred over. It would appear that Aperture have sold them a large number of completed IVAs as well as “live” IVAs. Is there anyone on this forum using them and still in contact with them I’m thinking they have closed down. However, I have a number of issues still persist Does this normally happen to people who have finished paying their iva ? I have had a letter off Santander saying that you have applied for pip and they have agreed to pay £2.441.19 to me do I get this money this was done by aperture debit solution account number ending in 6508 5954 9058 this was an alliance and Leicester could you please let me know what happens to this money that has been awarded. You should have had all the fees etc explained to you clearly so you could see what you were getting into. You could look into offering a full and final offer, based on the remaining payments plus 12 extra in lieu of equity, via your IVA provider. They have to explain how they have arrived at the numbers. We already have a 6 year term and I didn’t realise it could be extended. This seems to be simply an outsourcing function at the moment. That money has now been credited into my iva,when I’m in dire need of a new roof .I’ve just made my final 5yr payment. so that would seem to be the relevant case. You have taken on approx 25,000 clients from Aperture so will this years annual review get done before Christmas regarding individual IVAs? Close. Registered Company Number 03834474. https://www.gov.uk/complain-about-insol ... actitioner, ↳ bonus, overtime, pay rises and windfalls. Also are any of you aware that the e mail address from Ebengate on their correspondence does not work? She has confirmed that my IVA was fully closed down and completed on 20th September 2019. The protocol makes sure the processes involved in setting up and managing an IVA are clear and fair. 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. They should have asked you to authorise the PPI reclaim – but it’s not clear there is anything you can do to get this money to come to you. Also have you or anyone on here done or heard of anything like this before? And if your IVA fails now, you may not have paid all the fees so they can then be taken. I went into an IVA in the first place because I couldnt keep up with the interest payments from the credit card. The Insolvency Service’s statistics showed a few hundred people as being affected. It then purchased many IVAs from other firms – buying ClearDebt’s IVAs in 2016 and Debt Free Direct’s IVAs in 2017. However, all annual reviews will be completed within the required timescales and you will receive a copy of the report that is sent to your creditors. Hi. Unfortunately it was from inheritance but things didn’t work out as expected. This follows an agreement between Aperture and Jarvis Insolvency and an Order made in the Leeds County Court. With the settlement offer, your creditors will get 3500 less, With the fully paid option, you pay more and your creditors get paid more. Powered by phpBB® Forum Software © phpBB Limited. Free IVA advice. I’ve just finished my 5yr plan initially with aperture now Jarvis. £36,000 left IVAs that have already closed whilst with Aperture Debt Solutions remain with them. Anyone ever had this problem? Who do we call from now? Would you be able to drop an email to email@example.com with your IVA reference number? Menu. 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. There a very high probability that hubby will be made redundant by xmas aswell as 133 ppl are being made redundant. This transfer has affected 25,000 people who had open Aperture IVAs. Search. I interviewed at Aperture IVA (Belfast, Northern Ireland) in March 2018. 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 … When I contacted them they told me my final 5yr plan payment was £114.10.. 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). 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. And if communications with the new firm do not go well, there is no independent Ombudsman you can appeal to. 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. Was your IVA originally 5 years or 6. Can they extend our IVA, and why would they ask for more than the review amount. It just all sounds very dodgy. 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. 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? We have gone into UC due to me not being able to work but it isn’t a huge amount compared to me what I brought in and out tax credits. … See the reply I have just given to Chris above this one. I was asked if we could afford £260, so I said O was unsure and asked what the review said. A lot of profit in misery!!! So that takes the pressure off you. All the person kept saying was that they could go after PPI any time, even if I had had a Certificate of completion. They are just earning interest off this money aren’t they? Can anyone please advise re: my IVA with Aperture (and now JI)? 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. I am 67 and currently in an IVA with around 3-4 year left to go. When I questioned aperture they said it would not be paid to my creditors straight away as it could be used for fees??? Aperture IVA, Belfast. They did show signs of recovery, but have, again, over stretched themselve to the cost of service standards. 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. Should i ring my 4 creditors up individually and ask them if they are willing to take X amount to accept to close the account and then contact my IVA company to say the debts have been settled or do i let the IVA company know and get them to ring my creditors ? You are right Sara – only active IVAs have been transferred to Jarvis Insolvency. In 6 days it’s 6 months since we made our final payment. Yes sorry it was 6 years because of how much we owed and the credits requested it. Well if you were in an IVA any PPI refunds should go to your IVA firm. There must be some way of challenging these company’s. Reimporting from Aperture Vault problems. I applied online. For some reason, Aperture have passed my IVA on to Jarvis Insolvency as an “open IVA”. 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! I didn`t get much sense if I am honest. If your IVA is already closed and … We had no idea this was happening and the amount would’ve helped pay towards much needed work on my roof.. 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. Why would it? 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. Skip to main content. that my money has not gone to their pockets. And possibly also statutory interest as well. I’ve also had issues with Ebengate who seem to have randomly made up figures for my review but refuse to share the calculations with me. Also, they have had my MBNA details from day 1 of my IVA so why is “someone” chasing up PPI all these years later? On July 2018 we started 6 yers IVA with Vanguard and now is sold to Ebenegate .After a few phone calls about Under what circumstances does this happen? He will be allowed to keep all the redundcnay money as it is less then 6 months of income. Without proper support, some customers may not realise there are options that could allow their IVA to get back on track or to complete. Answers to questions about debts and credit ratings - in plain English! Can you get refunds from catalogues, credit cards & overdrafts? Are these just thieves? You aren’t affected by any of these changes, Why was your IVA 6 years? – how old are you and your husband? This isn’t a reason to be terrified. But as I’ve shown them Mr jones was made redundant on 4th December. I went through a period of months not actually repaying any of the credit card and just paying interest and eventually falling behind. Just read your comments and I agree totally with you on data protection aspect as I’ve just had the same done to me. ok so you need to go back to Ebenegate and ask: 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. If you have a query regarding your IVA, please feel free to contact Jarvis Insolvency – firstname.lastname@example.org – and we will be happy to help you. Comments Policy Around £20,000 equity Can you answer my question about why your IVA was set at 6 years not 5? And indeed closed, but without a Certificate of Completion your IVA is open. Can you tell me what this means for people who had completed their ivas with their original companies. Sorry a lot of questions: I did this 4 weeks ago and still not recieved a response. I have since found your site and am slightly more informed https://debtcamel.co.uk/gt-ppi-letters-after-iva/. – if your husband is furloughed, has it been hard making the payments? About Aperture IVA: At Aperture IVA, it is our main goal to get you on the path to debt recovery and a brighter future! 2. Since then I’ve paid 2 installments but I have not received any email, txt, phone call or any way to see 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) Aperture IVA interview details: 2 interview questions and 2 interview reviews posted anonymously by Aperture IVA interview candidates. – is he likely to get a lot of redundancy money? So they will continue to hassle you, not Jarvis. Financial Mis-selling. My iva is now under Jarvis ( apparently) Thanks for your reply. Both our names (I am simplifying a bit here). Hi. 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 am going into my 3rd year of my IVA now. Jobs. I’ve also given Jarvis redemption information on my home valuation and my husbands redundancy letter.. Where an IVA has closed, ie the final report and certificate of completion/termination has been issued, these were not transferred to Jarvis Insolvency. Around £2,500 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. I`m not sure what authority they have to do this. 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. I’m about to pay my last payment of the 5yr plan.. It is that context that needs to be challenged. I have never missed a payment either. My IVA finished at the end of June 2019. Thankyou very much,for your kind words,and I will speak to jarvis again,I spoke to them today and I was told that after I make this final 5yr payment they’d be intouch concerning the further details. Your case is a potential stream of income over the next few years. 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. My daughter says she is going to give me 7k to help me out. 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? And the insolvency Service does not start from the FCA’s “treat customers fairly” position – it is more interested in maximising returns to creditors. I’m 61 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. Thanks for response. I didnt know enough about it at the time and it appears to be the worst solution. What us GOING ON, All active IVAs were transferred to Jarvis Insolvency and members of staff from the Aperture Belfast office were also transferred as part of the acquisition. I believe those who find themselves in debt are perfectly happy to arrange an IVA, repayment plans and the like. This can be for a variety of reasons such as long term illness, redundancy, or even just paying for everyday goods and services. Thankfully i record all my calls so have quite a bit of evidence of bad practice via Vanguard and Ebengate. I was approached last year by aperture about ppi and have received notification that they had re submitted claims. So I have paid into this for four years and still owe more than my original debt, how does that work? I was contacting Aperture on a regular basis to get my Certificate of completion. Or where it was reported but the IVA firm incorrectly ignored it – which may have happened with Aperture. 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. Hi. I have called and got cut off . How you rack up the debt is largely unimportant - how you deal with it is important, and we can help out there. We believe in making a real difference to people’s lives and our approach is … For example, look at the three moving lines shown below. i`m tempted to just progress the matter further with MBNA because what can Jarvis actually do to me. More about Debt Camel. Just completed my 2nd I&E review that was due 4th Jan. Not heard back yet. You should not attempt to negotiate with creditors yourself. 76 people have already reviewed Aperture IVA. Although it is odd your IVA has been sold to Jarvis, it may be a lot easier to deal with them than Aperture, whose communications have been very poor recently. Below are some thoughts but I think you could probably do with some debt advice on your options. Now, I earn lots more a month since qualifying in my role. Are you buying or renting? Just keep copies of everything victor,it’ll be on your banking information. Have you talked to Jarvis about this? I have sent 5 emails and not had one response from them . 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. 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.. Yes you may well have been mis-sold this. – is the IVA just in your name? You should find out about these options and which might be best for you. This is a total and utter disgrace and yet another example of the FCA not really interested in those in debt. 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… * Any use of this forum is conditional on you having read and agreed to our terms and conditions. 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. Yes he had a small redundancy pay £2,653 Salaries, reviews and more - all posted by employees working at Aperture IVA. So I can’t honour any amount of payments until then…. And it isn’t clear how this could actually benefit you at all. You cannot switch to a different firm you would prefer. so quote a few questions: I spoke to them (cold) a couple of weeks ago. all Aperture’s open IVAs have been sold to Jarvis Insolvency; and. I am totally new at Mac, and at Aperture. Once the IVA successfully completes the remaining debt is written off and you’ll be issued with a certificate of … Question: Q: Aperture Problem. reviu last year we still do not have the annual review. Firstly – congratulations on maintaining your payments into your IVA for 5 years, particularly with the difficulties you have mentioned above. Aperture was the second largest IVA firm in 2018, but it stopped taking new IVAs in June 2019. Both … ok then probably you would have been much better off going bankrupt, if you didn’t qualify for an IVA. I’m so fed up. All you can do is talk to Jarvis: email@example.com. Do you know if I was gifted the money from my partner would the extra £3500 fees apply? Finbora Group Limited, previously known as Creditfix Holdings Limited, bought Ebene Gate Mauritius in 2018-19. Log in. I’ve now been told that I’m may have to look to release money out of my mortgaged home. – how large is your mortgage and how difficult will it be to pay it if he is out of work? 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. you aren’t being asked to release equity? Just cant believe that I am now earning good money, cant get my way out of it and wont be able to get a mortage. Hello, Someone from “First Dispute” company (who are they) have now been chasing up MBNA for PPI and this has been done behind my back, where I have received no contact from either Aperture or Jarvis Insolvency to state what they are doing. If my IVA finished at the end of June 2019, it should not have been sold/passed to Jarvis Insolvency. I suggest your local Citizens Advice. I am afraid mortgage advisers aren’t likely to be interested in your story about how you were missold this. 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problems with aperture iva 2021