Hi Foggy, Thanks for your message. Ok. Is there any actual rule if the payday loan company choses to keep the money and offset against the amount that I owed them? I had numerous loans, it was only the last couple I got into trouble with. What is in an IVA that says that they can't just keep the mon...

Hello all, First post here.... I am currently in an IVA with Aperture (formally Debt Free Direct), which has been an absolute nightmare.. but that's another story. It seem as though they have no idea which way is up and Aperture is completely snowed under with cases that they can't manage, what a jo...