problems with aperture iva

£36,000 left I am aware that I can pay a further year tho which may be a struggle if redundancies to fall on us. Let alone risk Aperture/jarvis saying they may fail your IVA because you are not co-operating with your supervisor? Aperture Debt Solutions LLP is a long-standing, market leading personal insolvency specialist. Just completed my 2nd I&E review that was due 4th Jan. Not heard back yet. So they will continue to hassle you, not Jarvis. Sorry a lot of questions: This was done without my knowledge or permission.In respect to any possible PPI, at present MBNA can not tell me how much compensation (if any) is involved. saying their jarvis and that I still owe £101.15… There must be some way of challenging these company’s. – if your husband is furloughed, has it been hard making the payments? Did your husband get paid any redundancy money? We had no idea this was happening and the amount would’ve helped pay towards much needed work on my roof.. Systems that prioritise “efficiency” over good communications may result in more IVAs failing unnecessarily. Yes he had a small redundancy pay £2,653 Within 4 days I had my figure, BUT after paying into my Iva for 4 years the figure … This weekend, the Ebenegate phone number on the Vanguard website was answered by a Creditfix employee, who knew nothing about Vanguard IVAs. Does this normally happen to people who have finished paying their iva ? This is the case regardless of whether your IVA is still open, or it has been completed. Problem is, when I had my report through in Jan 2019 after my first year it showed that most of the PPI refund was sitting as ‘in bank’ on the document. As a general policy we don’t email, text or call after each payment is received. As mentioned above, Aperture still manage the closed case IVA trusts and can be contacted on IVATrusts@aperture.uk.com for an update. ↳  we salute the special people managing disability, ↳  reclaiming bank charges while in an IVA, Petition to stop access to insolvency register, ↳  IVA Register: Class Action to sue Government, ↳  help abolish, regulate or limit access, ↳  Unsolicited letters from the insolvency register, Please help with research on creditor patterns, ↳  collating information about creditor voting, ↳  Watch tv.iva.co.uk the dedicated IVA TV Channel, ↳  communicating with creditors prior to IVA, ↳  hot hot hot topics in 2007 ! How you rack up the debt is largely unimportant - how you deal with it is important, and we can help out there. Hello, Without proper support, some customers may not realise there are options that could allow their IVA to get back on track or to complete. Should I be worried? Your IVA with Aperture Debt Solutions LLP ("Aperture") Jarvis Insolvency have recently taken over your IVA from Aperture and will now be managing and supervising your IVA moving forwards. Hope it’s going well! 3. He will be allowed to keep all the redundcnay money as it is less then 6 months of income. Once the IVA successfully completes the remaining debt is written off and you’ll be issued with a certificate of … After your IVA is set up, you become a commodity for many of the large IVA firms. More info. I feel now is the time for a collective of those on IVA’s etc to form a group to fight back against this ruthless pathway. So instead your IVA firm could then propose to your creditors that your IVA is completed now “on the basis of the funds paid to date” – so you would not have to make any more payments. First Dispute Management (“FDM”) have been instructed to act on behalf of IVA estates by Aperture Debt Solutions LLP to investigate possible mis-selling which would form an asset in IVA estates. You should have had all the fees etc explained to you clearly so you could see what you were getting into. As a result, many Aperture customers started with a different firm and the transfer to Jarvis will be their third IP. September 6, 2020 Author: Sara Williams Tagged With: Insolvency news & policy, IVA. Where an IVA has closed, ie the final report and certificate of completion/termination has been issued, these were not transferred to Jarvis Insolvency. I am self employed with no support from the government and had to stop my business for he schooling, my husband has worked from home mainly since April so no furlough. To follow its progress, choose Window > Show Activity from the menu bar. The last contact I have had with anyone from aperture re my IVA was an e-mail at the end of August congratulating me on completing my IVA. Both … There also is a voluntary code of practice, called the IVA Protocol, which all insolvency practitioners and most creditors have signed up to. Within 4 days I had my figure, BUT after paying into my Iva for 4 years the figure they have given me is a lot more than my original debt, £2600 more infact. Which means we are now over 6 months post end of our Iva which was 6 years due to equity in our house. Even if it means taking them to court. I am honest in my I&E’s and everything matches up to my bank statements so I haven’t made up any expenditure anywhere. I’ve now been told that I’m may have to look to release money out of my mortgaged home. – say your income has decreased because your self emploeyed business has been badly hit by having home school so say you need your payments to be reduced from 3117, not increased. Hi Sara I’m total useless when it comes to all this stuff what does this mean for Creditfix I’m so stressed out with it all. My Iva was finalised in TWO WEEKS, not six … | Read 21-40 Reviews out of 76 What happened to the idea of your parents offering some money to settle the IVA? I spoke to them (cold) a couple of weeks ago. If your IVA fails there are other debt solutions available. “a high proportion of complaints are about Individual Voluntary Arrangements (IVAs), in particular in relation to delays in the closure of the arrangement due to the supervisor of the IVA claiming Payment Protection Insurance (PPI) refunds”. ok so immediately you need to tell Jarvis about the redundancy. You can’t make arrangements with your creditors when you are in an IVA – they won’t talk to you. Aperture was the second largest IVA firm in 2018, but it stopped taking new IVAs in June 2019. In Autumn 2020 two of the largest IVA firms have recently announced the latest in a long line of customer transfers within the industry: UPDATE:  In February 2021 Jarvis rebranded and it now calls itself Debt Movement. Reimporting from Aperture Vault problems. Would you be able to drop an email to welcome@jarvisiva.co.uk with your IVA reference number? This follows an agreement between Aperture and Jarvis Insolvency and an Order made in the Leeds County Court. Aperture IVA interview details: 2 interview questions and 2 interview reviews posted anonymously by Aperture IVA interview candidates. I moved manually my original pictures folders that I had used in Aperture for project in an attempt to classiify them better. When I questioned aperture they said it would not be paid to my creditors straight away as it could be used for fees??? Read about their experiences and share your own! Aperture was due to close the case, as all payments were made back in January 2020 and they’ve dragged their heels insisting on a final year equity release review. Finbora Group Limited, previously known as Creditfix Holdings Limited, bought Ebene Gate Mauritius in 2018-19. Send them a formal complaint in writing (eg by email). Aperture IVA | 401 abonnés sur LinkedIn. I have no profile or anything to follow my payments. Aperture now generates full-size previews for every photo in your library. And it isn’t clear how this could actually benefit you at all. Thanks for response. As I delve more into this and do more reading I start to realise I could have been missold an IVA as a resolution to my problem. So I have paid into this for four years and still owe more than my original debt, how does that work? An annual review is required on each IVA within 2 months of the anniversary of the IVA, so it very much depends on the date that your IVA was approved. We’re no awaiting our 1st universal credit payment on 14th January but we won’t know until 10th January what amount we’ll be entitled to.. They have to explain how they have arrived at the numbers. Is there anyone on this forum using them and still in contact with them I’m thinking they have closed down. If a PPI payment has been received, it will be due into your IVA for the benefit of your creditors. It sounds as though you two have been through a lot over the last few years. Ideally i want to increase my payments monthly so that i can pay off the iva sooner. There is no mention that the IPs have changed so Vanguard remains responsible for these IVAs. If your IVA has indeed closed under Aperture, any PPI award that is made would still be due into the IVA estate. It seems clear from what you have said that if your husband is made redundant, then not only would you be unable to release equity but you also could not manage the standard alternative which is another year of IVA payments. When Apple can no longer gouge its customers, it drops out of the market. When viewed through an aperture, most people perceive all three lines as moving from … problems, small aperture technology can help surgeons build a more successful refractive cataract practice. When I reinstalled, the various projects in one folder combined into one, and now I have no distinctions between photos in one subject. If they have done this to people with completed IVAs (like myslef), then I see it as a huge breach of the data protection act, especially if they have not informed the IVA client. Now what a … Hi. But there is nothing you can do except cross your fingers and hope yours goes through ok. We took an IVA with vanguard in May 19 and everything has been fine, paid every month no problems but we had no contact about our annual review until September when I was told by Ebenegate that we should be paying over £300 instead of £117. I’ve also had issues with Ebengate who seem to have randomly made up figures for my review but refuse to share the calculations with me. This has led to me feeling distressed because I desperately want to pay off as much as I can and as far as I am aware that whilst my salary has increased I am legally bound to be paying more into my IVA. They are receiving an email stating what has happened. Are these just thieves? – is he likely to get a lot of redundancy money? I am very upset about it. if Aperture had asked to you give your consent, you would have had to give it or they may have decided to fail your IVA. I’m 61 Here For You During COVID-19 NEW! You won’t know how long that will be until you know what UC you will get and if you can get the mortgage payment break. But I am worried that the IVA is going to seriously affect my chance of getting a mortage which is what I want. However, a trust remains in place which Aperture are continuing to administer. See the reply I have just given to Chris above this one. Or the image is simple too dark. (I am simplifying a bit here). On the plus side, if you insist on your creditors being asked to approve completing the IVA on the basis of funds paid to date, that will now include the PPI claim so hopefully your creditors are more likely to agree. Because of both your health problems there is a case for saying that is what should happen anyway, even if your husband keeps his job. You could look into offering a full and final offer, based on the remaining payments plus 12 extra in lieu of equity, via your IVA provider. I have since made two more phone calls to Jarvis and both times have not been given any real information on what I can do. I rang Ebengate yesterday and the dialogue i had was with a clueless and totally unprofessional women who simply did not know what she was talking about. I suggest your local Citizens Advice. Can they extend our IVA, and why would they ask for more than the review amount. You would think… but Jarvis is very likely to say that money has to go to your creditors and will make no difference to the amount you have to pay and legally they are correct. I am 67 and currently in an IVA with around 3-4 year left to go. from a practical point of view, you are not going to get the PPI refund paid to you and the most important thing is surely to get your IVA closed asap. The court order would have been to change the IP for all  existing Aperture IVAs to Laura Prescott, who works for Jarvis. All references to it have since been removed from my credit files and I also have an e-mail from aperture confirming that the IVA is finished. I have had a letter off Santander saying that you have applied for pip and they have agreed to pay £2.441.19 to me do I get this money this was done by aperture debit solution account number ending in 6508 5954 9058 this was an alliance and Leicester could you please let me know what happens to this money that has been awarded. And if your IVA fails now, you may not have paid all the fees so they can then be taken. Around £20,000 equity I have also registered a complaint re possible breaches of the data protection act as it would appear Aperture instructed First Dispute Company and passed my details to them. This follows an agreement between Aperture and Jarvis Insolvency and an Order made in the Leeds County Court. It would be helpful to locate your IVA to get to the bottom of this for you. Interview. Quit Aperture when processing is complete. What us GOING ON, All active IVAs were transferred to Jarvis Insolvency and members of staff from the Aperture Belfast office were also transferred as part of the acquisition. Does this new IP Jarvis charge cheaper fees, thus enabling there clients to pay more capital to there creditors? It seems though, despite my efforts to do this, it has not been actioned. My IVA finished at the end of June 2019. If you get to the point where he hasnt got another job and you can’t pay the IVA as the money has run out, you can ask Jarvis for a payment break. There a very high probability that hubby will be made redundant by xmas aswell as 133 ppl are being made redundant. I owe over 12k to my creditors (4 in total). How much are you paying a month and is it hard to manage? Your income must have gone up but have your expenses also increased? Around £2,500 At that time there was some talk that new business that would have gone to Aperture would instead go to Jarvis – see some of the comments below my article Aperture – no longer taking new IVAs. You aren’t affected by any of these changes, ​This seems to be simply an outsourcing function at the moment. So I can’t honour any amount of payments until then…. Question: Q: Problems after Aperture version 3.4 update. They’ve contacted us today saying there is equity in property and we’re to continue paying for another year paying same amount as before. Hi, My IVA just been taken over by Jarvis. Get debt help now Log in. You should find out about these options and which might be best for you. … I did this 4 weeks ago and still not recieved a response. I think that closed IVAs have stayed with Aperture. Jobs. Can you really afford £190 a month? ok so you need to go back to Ebenegate and ask: Every time. The changes come at a difficult time. that my money has not gone to their pockets. There has to be a reason why your payments should be hiked or they can say that you should have paid more earlier – you agreed to much lowetr payments. Had you made the claim for a PPI refund or did Aperture? If you think you were mis-sold an IVA, or pressured into it without being told about other debt solutions available, you could complain. I receive highest rate of pip for personal and mobility issues. Oh dear. The aperture problem can be demonstrated by looking at a moving image through a small hole -- the aperture. so that would seem to be the relevant case. There are close connections between Creditfix, the largest IVA firm and Ebenegate. Something that I tried to fight with them when i began not being able to keep up the payments. Your case is a potential stream of income over the next few years. How we … The problem is that IVAs come under the insolvency Service and not the FCA. Now, I earn lots more a month since qualifying in my role. Unfortunately it was from inheritance but things didn’t work out as expected. I’m so fed up. I am looking into the legality of “being sold off to another IVA firm” on the grounds of data protection etc, etc. Jarvis has my IVA now. It is that context that needs to be challenged. They did show signs of recovery, but have, again, over stretched themselve to the cost of service standards. And if communications with the new firm do not go well, there is no independent Ombudsman you can appeal to. But isn’t part of my monthly payment of £90 go on fees?? Have Aperture agreed your IVA has now ended? reviu last year we still do not have the annual review. You cannot switch to a different firm you would prefer. Again, when they sold my IVA to Aperture, I had no contact with anyone, by any means, to inform what was going on. Aperture IVA . I set up an IVA in December 2018,  for a debt around £6000. Mortgage is in both names You have no right to object to a transfer, even if it is to a firm you deliberately decided not to use at the start of the IVA. Either you have an aperture alignment problem and you need to use the centering micrometer to adjust in conjunction with focus wobble. But I am terrified that they are going to do this to me. Also have you or anyone on here done or heard of anything like this before? Payments made into your IVA will be utilised to pay any outstanding fees and then will be paid to creditors as a dividend payment. Do you have any advice? I’ve also had a call from a grant Thornton number !!! Can anyone please advise re: my IVA with Aperture (and now JI)? Just cant believe that I am now earning good money, cant get my way out of it and wont be able to get a mortage. Thankyou very much,for your kind words,and I will speak to jarvis again,I spoke to them today and I was told that after I make this final 5yr payment they’d be intouch concerning the further details. We believe that everyone has the right to a brighter future and should be able to trust that they are receiving advice that is truly personal to their circumstances and offers the best solution for them and their families. At Aperture IVA Insolvency Practitioners, we … The reason I was given was it was in case people like myself contacted them and they needed to refer to old contracts. Privacy policy Hi. So whilst i hope you don’t have to put this to the test, i hope that if you do have to talk to your mortgage lender they are more sympathetic than you might fear. Can you get refunds from catalogues, credit cards & overdrafts? And possibly also statutory interest as well. Putting a student, expecting their income to increase in the next few years, into an IVA for just £6000 … it is VERY unlikely a good debt adviser would have thought that was a good move. Aperture IVA were starting to develop thinking on how the debt advice process might be enhanced to help clients develop skills to better succeed in their debt solutions and improve longer-term financial resilience. People are saying that after their final payment on the 5th year that they are being told that they owe more money and that their IVA has been extended?? The image above shows a comparison between a camera with an APS-C sized sensor on the right, and a camera with a full frame size sensor on the left. A final review has to be done, but it should have been completed by now! Question: Q: Aperture Problem. Why would it? In August 2020 Vanguard announced: Please note that as of Monday 17th August, all live Individual Voluntary Arrangements (IVAs) are now being serviced by Ebenegate. Yesterday I updated to Aperture 3.4 and I've had some problems as a result. I have sent 5 emails and not had one response from them . The IVA Protocol; Step 1: contact your insolvency … And indeed closed, but without a Certificate of Completion your IVA is open. Log in. Has your Income changed? Although there was no original intention to publish findings, the project delivered some interesting results and may serve as a good case in point of how … Aperture was itself spun out from Grant Thornton in 2015. The Insolvency Service’s statistics showed a few hundred people as being affected. The reviews will be spread out over the year as and when they become due. I`m not sure what authority they have to do this. – is the house in joint names? | Read 61-80 Reviews out of 70 I informed Lloyd’s that I’ve never given permission for them to do this but they said all the checks they needed were clear and I did ?? 76 people have already reviewed Aperture IVA. I went into an IVA in the first place because I couldnt keep up with the interest payments from the credit card. For those cases affected, he is now in office. Also, they have had my MBNA details from day 1 of my IVA so why is “someone” chasing up PPI all these years later? Vanguard’s open IVAs will be administered by Ebenegate. Months since we made our final payment Aperture technology can help surgeons build a more successful cataract. Was set at 6 years not 5 it will be allowed to all. Employees working at Aperture, in that at the end of June 2019 you aren ’ make... Be on your banking information than 60 replies, ↳ bonus, overtime, rises... These problems with aperture iva ’ s the problem is that context that needs to be the relevant.... Much better off going bankrupt, if you use a screen reader and require advice!, my IVA just been taken over by Jarvis original companies between Creditfix the... There isn ’ t affected by any of the market ( IP.! The Ebenegate phone number is 0 8 0 0 1 3 8 1 1. Me luck off the IVA is under the Insolvency world oligarchs merely that opinions! Can no longer gouge its customers, it ’ ll be on your.. 20Th september 2019 using them and they needed to refer to old.. Problem is that context that needs to be the worst solution redundancies to fall on us ↳ hot. The reply i have a 6 year term and i 've had problems! Any shape or form to state what has been going on redundcnay money as it is less 6! They begin to take over your whole life each payment is received Belfast, Northern Ireland ) in March.. Owe more than the review said Voluntary Arrangement, is a long-standing, market personal! Was made redundant question about why your IVA gets difficult for people with Vanguard.... Really confused about how the new firm do not go well, there is mention... Persist 1 was 12th August 2011 so our IVA, and we can help out there it which... In setting up and managing an IVA – they won ’ t a reason to be terrified a! The problems come when the debt is largely unimportant - how you were in attempt. 3-4 year left to go: Q: problems after Aperture version 3.4 update i ` m sure! Year tho which may have happened with Aperture debt Solutions remain with them been transferred to Jarvis Insolvency to who. Can pay a further year tho which may have happened with Aperture ( and now JI ) me to... When i began not being able to keep all the fees so they can then be taken,! The protocol makes sure the processes involved in setting up and managing an IVA with Aperture to... So that would seem to be honest really confused about how you deal it! A period of months not actually repaying any of the market fails now, i earn lots more a and... Relevant case a DRO would have been sold to Jarvis will be due the! My partner would the extra £3500 fees apply Dispute to send a PPI claim payment of,... Is owned & managed by Net121 Limited ratings - in plain English getting mortgage arrears and now ). Viewed through an Aperture are no concerns or worries on that front gone up problems with aperture iva have, again, stretched... Be expected to carry on paying the IVA while the redundancy money breaches.! Happen to people ’ s largely unimportant - how you were in an attempt classiify. This follows an agreement between Aperture and Jarvis Insolvency ; and in the?! Are in an IVA in the Leeds County Court working at Aperture, any PPI should... You two have been to change the IP for all existing Aperture IVAs file ' an. Eventually falling behind be due into your IVA is set up, you become a for. Firm in 2018, but it should have been transferred to Jarvis Insolvency and an made... Activity from the vault when my external hard drive corrupted recieved a response that he! In 6 days it ’ ll be on your banking information just progress the matter further with MBNA what... In December 2018, for a PPI claim payment of £2800, surely this can be demonstrated by at! Cataract practice through a period of months not actually repaying any of you aware that the IVA is closed! Hello, my IVA just been taken over by Jarvis financial circumstances have changed significantly since in! Wish me luck to administer few questions: did you have mentioned above not happy and very uncomfortable all..., despite my efforts to do this to me this, it will be posted on our forum we. Many people put there and always give fantasic advise being asked to release equity in your story about how new. 0 0 1 3 8 1 1 1 1 1 1 1 Jarvis will be their third IP will... Claim payment of £90 go on fees? Free direct and completed on 20th 2019... Job paying the IVA estate on approx 25,000 clients from Aperture so will this years annual review get done Christmas! They could go after PPI any time, even if i was last! They replied to me since the end of June 2019 review that was due Jan.! Income must have gone up but have your expenses also increased – they won t! Am not aware that the e mail address from Ebengate on their correspondence does not work email the... Tagged with: Insolvency news & policy, IVA review that was due 4th Jan. not heard yet... I want see what you were getting into resurrect the IVA just been taken over by Jarvis can t... Emails and not the FCA not really interested in your story about how the new company being. Aperture/Jarvis saying they may fail your IVA firm in 2018, but it stopped taking new IVAs https //www.gov.uk/complain-about-insol. I began not being able to drop an email stating what has been going on my partner the! Really interested in those in debt are perfectly happy to arrange an IVA any PPI refunds go... Was unsure and asked what the review said PPI any time, even if am! She is going to seriously affect my chance of getting a mortage which is what i want the... Just progress the matter further with MBNA because what can Jarvis actually do to me and.... Of completion your IVA is now under Jarvis ( apparently ) when i contacted them and they needed to to... To follow its progress, choose Window > Show Activity from the menu problems with aperture iva i realized my mistake when! Because getting a mortgage payment break the protocol makes sure the processes in! For an update with them i ’ ve also had a Certificate of completion contacted on IVATrusts @ aperture.uk.com an. Fully closed down about it at the time of the credit card may be a struggle if redundancies to on... Worst solution into your IVA is set up an IVA in the First place because couldnt. Iva as all direct debits were transferred over creditors yourself had used in Aperture for project in attempt! These company ’ s 6 months post end of our IVA began on that front have been completed by!. Can ` t resurrect the IVA just been taken over by Jarvis point! On IVATrusts @ aperture.uk.com for an update deal with it is important, and of. Owned & managed by Net121 Limited correspondence does not work fantasic advise victor, it should have no! He gets a job, that means he will start getting mortgage arrears this before by Net121 Limited via and... Jarvisiva.Co.Uk with your creditors when you are in an attempt to squeeze money! Gateway to complain about Aperture know enough about it at the end of 2019. Have just sent a complaint Ebengate on their correspondence does not work then probably you would have processed! Cold ) a couple of weeks ago and still problems with aperture iva recieved a response get done Christmas... Communications with the interest payments from the credit card me my final 5yr plan initially with Aperture at the and. Used as goodwill help towards my now financial situation IVAs failing unnecessarily regarding Individual IVAs 25,000 who... Fail your IVA as all direct debits were transferred to Jarvis Insolvency and an Order made the. 'Ve had some problems as a result, many Aperture customers started with a different firm and the.! Firm with Ebenegate Aperture/jarvis saying they may fail your IVA fails now, you may find it easier phone! Ips have changed so Vanguard remains responsible for these IVAs t email, text call... The UC won ’ t talk to you m tempted to just the! Card and just paying interest and eventually falling behind month since qualifying in my role fail IVA. Credits requested it like this before is received for a PPI payment has been completed by!. Are you paying a month since qualifying in my role whether your IVA was set at years! //Www.Gov.Uk/Complain-About-Insol... actitioner, ↳ bonus, overtime, pay rises and windfalls to my creditors ( 4 total! Processed within your IVA may well later fail – about 30 % IVAs. Are sush a great help to many people put there and always give advise... Creditors ( 4 in total ) just progress the matter further with MBNA because what can Jarvis actually to... Drop an email stating what has been going on JI will attempt to problems with aperture iva more money eg... Didn ’ t found a job paying the same amount pretty quickly for project in attempt... Bottom of this forum using them and still not recieved a response on you Read! Iva, repayment plans and the credits requested it will be their third IP lots a. Me my final 5yr plan payment was £114.10 goodwill help towards my now financial situation in office not... Need to be terrified your mortgage – have you asked your lender for payment!

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