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Posted: Tue Jun 14, 2016 7:15 pm
by dodgymonkey
Hi there, I am 3 years into an IVA with ClearDebt/Aperture - my annual review letter says I am in arrears (due to a bonus when I left my last job - although I am self-employed now and earn less than my original IVA wage)... But the annual report to creditors says I am not in arrears - surely if I am it should be noted??
Posted: Tue Jun 14, 2016 7:35 pm
by kallis3
Hi and welcome,
Some of the bonus should have been paid across so you will have to sort this with Aperture just to make sure
Posted: Tue Jun 14, 2016 10:08 pm
by dodgymonkey
Thanks kallis3 - I know and I haven't got an issue with that - it's I am confused as to why it isn't showing on the annual report to the creditors - it says I am not in arrears - should they not be made aware?
Posted: Wed Jun 15, 2016 8:27 am
by kallis3
Perhaps it is an admin error and the wrong letter was printed off.
I think I'd give them a ring or send an email to clarify it for your own peace of mind.
Posted: Wed Jun 15, 2016 8:41 am
by Shining
Give them a ring and hopefully it will be sorted asap. Often these things just cross.
Posted: Wed Jun 15, 2016 9:53 am
by Lisa Thomas
It's either an error or the arrears were incurred after the period covered by the APR.
Query it with your IP in writing.
Posted: Thu Jun 16, 2016 10:24 am
by dodgymonkey
Thanks all - I will query it with them - and I am coming up to my 4 year annual review!...... nearly there.....
Posted: Thu Jun 16, 2016 10:34 am
by Lisa Thomas
slowly but surely!