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by osb85
Thu Jan 04, 2018 4:03 pm
Forum: Ask IVA Forum and Industry experts
Topic: Aperture ..... Feeling very frustrated!!!
Replies: 19
Views: 5003

So we made our final payment on August 28th 2017... 6 years of payments due to added year in Leiu of equity... never missed a payment.... never late paying.... and now Apperture are completely ignoring all correspondence! Emailed them using their three customer service email addresses on Oct 4th as...
by osb85
Fri Nov 10, 2017 6:58 pm
Forum: Ask IVA Forum and Industry experts
Topic: I am confused as to why it is taking so long to get my certificate. G
Replies: 3
Views: 744

<t>I have paid my last payment in August into a 7 year IVA, I am still waiting for my completion certificate and they have told me it can take 6 months. Is this right. I have done all the PPI forms years ago and completed our yearly review and tried for re-mortgage and secured loan so I'm confused a...
by osb85
Wed Mar 29, 2017 5:28 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is it right that I have to do another review ?
Replies: 2
Views: 614

<t>I completed a review for the end of my IVA and got our house valued and looked into a secured loan etc. I have now had a letter telling me I have to have another review as it's over a year. I'm due to finish in august 2017 - when I was told I would have to pay 12 months more into my payments I wa...
by osb85
Fri Feb 05, 2016 4:01 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is repayment option taken into account to obtain a re mortgage ?
Replies: 2
Views: 2022

If you have equity in your house and need to obtain a re-mortgage, do they take only your current monthly mortgage payment into account or will they consider the re-payment option as we only pay interest only at the moment. I'm so excited to be the first half of the day before I have
by osb85
Wed Jan 27, 2016 7:05 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is there a maximum period of time that you can be asked to pay an IVA ?
Replies: 4
Views: 2167

My IVA was scheduled to finish in Dec - now our IP Says we have to pay 67 months plus a month that we couldn't pay - 68. Now we have to see if we can re - mortgage and if we cant then we pay for an additional 12 months bringing us to 80 months. I haven't had any arrears accept for the agreed month m...
by osb85
Fri Jan 15, 2016 9:10 pm
Forum: Ask IVA Forum and Industry experts
Topic: Equity release time frame
Replies: 1
Views: 1688

I am on my 62nd month of IVA payments and my agreement say 68months in total. I have now been asked to value my property etc to release payments and if this doesn't happen I will be required to pay for up to another 12 months bringing the total up to 80 months - is this allowed? I thought that after...
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