I'll try that. Thanks for the info.

Hi Back in May 2020 I received an email from Aperture stating that our IVA had successfully completed. Great news! It also said we would be getting final documentation and completion certificate within a few weeks. Of course, now to be soon to be approaching 12 months hence we have received nothing....

<t>I am finding it impossible to contact Aperture either by phone or e-mail and I have been trying since January. The phone is always a automated message about unprecedented levels of calls saying you can leave an ansaphone message, which I am never given the opportunity to do and e-mails are just n...

Thanks everyone for your responses.
I guess we shall have to make an appointment and see how we get on.

<t>We are coming to the end of our fixed rate mortgage 2 years in to our IVA. My question is do we have just let it revert to a standard variable rate or can we enter into another fixed rate deal? The rates are now lower than the fixed rate we were in. Also as the mortgage is currently a combination...

<t>I am currently 18 months in on a joint IVA with my wife. It will ultimately be six years long in total assuming there will be no equity release at the end. I will be 55 next month and as such could access 25% of my pension as a lump sum. By coincidence this amount is roughly equal to that still t...