I've been unable to get through for the last 3 days and its getting ridiculous. On hold for 11 minutes before being put through to vmail. Anyone got through recently?

Not sure if it will help but Monzo is a great online account which has a gambling block on it. It really helps, I had the odd bet but haven't for 6 months since I switched, it's been great.

Thanks - will do.. Malcolm, as you were also with aperture, and reading about the sprout loan and so I understand fully. Can you let me know how long from initial application it took to get the loan agreed with creditors and aperture? The positives I read about this option (correct me if I'm wrong) ...

Thanks - I guess before jumping the gun I need to know why they couldn't help me re the equity release clause. Should it be insufficient equity then my iva will end in August without having to offer the additional 12 months as a lump sum.

Thanks Malcolm - appreciated... So, I have spoken with Aperture this morning and asked where things were with the equity release (before even starting to discuss calculation methods) and they advised that it was referred over to the Select Partnership in November 2018 and are awaiting the outcome wh...

Thanks Foggy. My current mortgage is interest only. Would a remortgage also be interest only or repayment?

Thanks. I'm pre 2014 but had read about that previously. Lastly (apologies, and very grateful of your input so far), should I be requested to remortgage, my agreement states if I have over 5k equity... "The amount that I have to borrow and pay into the arrnagement is subject to the following limits ...

Thanks Foggy - will discuss with them tomorrow. Clearly last thing I want to do is remortgage. Given equity I have and being in an iva, is it usual that a remortgage will be accepted or is it more than likely to get a 12 month extension. I've also only been with new employers for 6 months which I gu...

Hi, Hopping you can help as im due to call Aperture tomorrow regarding equity release Original IVA in September 2013 was through DFD for 72 months rather than the ‘usual’ 60. The equity release wording is as follows; “If that valuation shows that 85% of my interest in the property (after deducting m...

Hi, Spoke with Apeture this morning regarding a F&F offer emailed them on Monday. Reason for phoning was that I had emailed them twice in June (on other issues) to which I have not had any response at all and wanted to make sure it was received. The guy says he can see it but it hasn't been processe...

Do you have that in writing from DFD/ is it calculated differently in the original estimated outcome statement that supported your original proposals? I would take it further and make a formal complaint and if necessary, follow up here: https://www.gov.uk/complain-about-insolvency-practitioner Depe...

Do you have that in writing from DFD/ is it calculated differently in the original estimated outcome statement that supported your original proposals? I would take it further and make a formal complaint and if necessary, follow up here: https://www.gov.uk/complain-about-insolvency-practitioner Depe...

Lisa Thomas wrote:

Good reply from Foggy - I agree you should challenge with Aperture.

I've had the same with Aperture this morning. They are not backing down from 'their' calculation which is not what was agreed and taken into account when I agreed the IVA with DFD 5 years ago...

They cannot change the terms -- but some agreements were badly written so that the clauses could be interpreted differently and they tried to exploit that difference. Many actually have the calculation actually embedded in the agreement, either by an example or reference to annex 6 (where it is set...

Hi Foggy, The original agreement was accepted on the basis that it was extended 12 months to 72 months, I assume for no other reason than to pay more back into the IVA My property is worth £150k, and i have a mortgage of £138k. So potentially even though I think unlikely equity can be released, wit...