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Coming to the end of an Aperture IVA
Hi, my husband completed his 5 year IVA with Aperture in April, they’ve told him it will take him 6 months to process the ‘closure’, they said they would be contacting all the interested parties to get confirmation they’re happy to close the IVA. That was a recorded message he got when he called them to check what needed…
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Ex has IVA but we have joint mortgage
I have been divorced for 10 years and solely responsible for the mortgage in that time . My ex refused to agree To any financial settlement but has finally agreed to sign house over if I don’t claim on his pension . Before I could arrange remortgage I have found out he has an IVA. As we still have joint mortgage will he be…
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Payplan
Hi I seem to be having a problem with payplan recently they put up my payment well double it which I can afford.gone Through the budget change it and we have £150 left but the payment is £250. They say this is my affordable and It ain't. Can I change to another IVA provider has I can't they seem not to understand.im at…
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Review
Hi I have an iva review coming up and they have asked for 3months of bank statements. With covid 19 and not being able to go out day to day and spend. Plus a mortgage break 3months I took and some financial present s for a birthday. My account is healthy and I'm getting back on my feet. Obviously they will see my account…
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IVA modification question
Hi, When my IVA was agreed a modification was entered by the creditors which I agreed to. The modification was: "The debtor must seek to obtain Child Maintenance payments from his ex partner. 60% of any monies being received as a result of this must be introduced into the Arrangement for the benefit of creditors." I had to…
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DMP or IVA
Hi,I am trying to resolve my debits. Following talks with Stepchange I was recommended to go for a Debit Management Plan which would take around 8 years to pay off my loan and credit card debits. Today after another call with Stepchange they suggested that IVA would perhaps be better as it is legally binding and would be…
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Termination of IVA
I have come into some money and want to bring this arrangement to and end. Creditfix have given me the option of terminating the IVA and dealing with the Creitors myself. They say that the creditors may backdate the interest that had been frozen. My credit rating will be affected though doesn’t worry me. The total charge 3…
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IVA due to covid on verge of cancellation
Hi, im at my wits end with this debt. I left a past relationship and ended up with all the debt. I owed a total of around 14k to 4 or 5 credit cards and loans. No mortgage etc. I was paying £143 into my iva and have kept up with payments for 2 years as im self employed... then covid strikes. Ive been out of work since…
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Severance Pay & IVA
Hello, Just looking for some advice before I contact my IVA company. I have 21 months left on my IVA and I've just showed interest in Voluntary Redundancy as I work in aviation and it's a case of take this opportunity or there's a risk of being pushed. Plus I have had an interview and been given a place at a local college…
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Debt Free Direct Ltd IVA and Aperture IVA
Hi there! Wondering if anyone else has experienced anything similar to this?? I have received a letter from Aperture IVA regarding an IVA I had a couple of years ago with Debt Free Direct Limited, which must have been finalised a good 5 or 6 years ago. They acquired DFD in Sept 2017 and apparently after reviewing all of…
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Can I get a mortgage after my IVA
I took out an IVA in Jan 2015, I paid off the IVA in April 2017. I believe this will no longer be on my credit file come Jan 21? 6 years I'm desperate to get a mortgage so my ex doesn't sell my home, I've been told the lending market will open up to me after the 6 years (Jan 21) and I won't pay a premium for borrowing. Is…
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Mortgage and DRO
Hi, I was discharged from a DRO order in October 2015, due to drop off my credit report October 2021. My partner and I have started to discuss buying a house in the near future. We are both 30 this year and are keen to buy and feel a bit more settled. We have a £40000 deposit and are looking at houses in the £150000-160000…
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"I have no history of bad debt"
Due to some ill-advised decisions and a small problem with impulse control, I got myself into a fair amount of debt and rather deep hole in my youth. Thanks to the help of this board, I entered into an IVA in 2000 and completed the IVA in 2007. I left the country to work abroad in 2011 and I am looking to return to the UK…
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Emergrating and iva
Is it possible to emergrate to Australia with an iva? It would be with a new partner and I hope to offer a settlement figure from selling my property prior to moving /applying but how does this affect a visa application etc?
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Moved: IVA High Rate mortgage. Remortgage
This discussion has been moved.
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After Completing an IVA
HelloI completed my IVA in Feb 2020 and now wish to improve my credit score. How can I go about this ? I have heard that the IVA still appears on credit reference agencies records for another year after completion ? if correct does this then automatically dispear after the 6th year? Lastly would it help to send a copy of…
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Car finance just cleared. Now the IVA folks want that value on top of the usual monthly amount.
I financed a car at £150 per month prior to setting up my IVA. I'm now three years in and the car finance is settled. My monthly IVA payment is £200. The latest payment went up to £350 and was debited from my account the month after the finance was settled. Is there anyway to negotiate this back down with my IVA…
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Two yearly Reviews?
Hi all, I'm wondering if anyone can shed some light on a situation I have with my IVA I completed my Anual review over the client portal back in October and received my Anual Report to Creditors in December. I thought that was all over until next year, however,..... I have received an email from my IVA company two weeks…
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Barclays stopped my switch to natwest due to IVA
I have today queried with Natwest why I haven't received the Switch incentive for going to them. They have now come back stating that Barclays stopped the switch process because I have entered into an IVA. Hence why I haven't received £175 offered to transfer. I was totally unaware that this had happened, admittedly I had…
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IVA advice please
Hi guys, long post warning! I had a car crash a few weeks ago and wrote off my car, I received £1880 from my insurance. I emailed Aperture to advise them of this and that I would need to purchase a car ASAP as I need to get to work. A few days later I bought a car for £2100, I needed a reliable car as I commute 66 miles a…
